The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,958
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,641
−HK$694/mo
Today · 4.125%
HK$23,335
baseline
▲ 0.50% · 4.625%
HK$24,755
+HK$1,420/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,670/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,429
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,084
−HK$664/mo
Today · 4.125%
HK$25,748
baseline
▲ 0.50% · 4.625%
HK$27,106
+HK$1,358/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,496/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,350
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,170
−HK$833/mo
Today · 4.125%
HK$28,003
baseline
▲ 0.50% · 4.625%
HK$29,706
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,006/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,314
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,100
−HK$798/mo
Today · 4.125%
HK$30,898
baseline
▲ 0.50% · 4.625%
HK$32,527
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,796/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,742
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,698
−HK$972/mo
Today · 4.125%
HK$32,670
baseline
▲ 0.50% · 4.625%
HK$34,658
+HK$1,988/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,340/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,200
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,117
−HK$931/mo
Today · 4.125%
HK$36,048
baseline
▲ 0.50% · 4.625%
HK$37,948
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,096/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,525
−HK$2,479/mo
▼ 0.25% · 3.875%
HK$40,755
−HK$1,249/mo
Today · 4.125%
HK$42,004
baseline
▲ 0.50% · 4.625%
HK$44,560
+HK$2,556/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,008/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,971
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,151
−HK$1,196/mo
Today · 4.125%
HK$46,347
baseline
▲ 0.50% · 4.625%
HK$48,790
+HK$2,443/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,694/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,983 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).