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$21,950
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,633
−HK$694/mo
Today · 4.125%
HK$23,327
baseline
▲ 0.50% · 4.625%
HK$24,746
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,654/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,419
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,074
−HK$664/mo
Today · 4.125%
HK$25,738
baseline
▲ 0.50% · 4.625%
HK$27,095
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,476/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,340
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,159
−HK$833/mo
Today · 4.125%
HK$27,992
baseline
▲ 0.50% · 4.625%
HK$29,695
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$55,984/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,303
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,089
−HK$797/mo
Today · 4.125%
HK$30,886
baseline
▲ 0.50% · 4.625%
HK$32,514
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,772/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,730
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,686
−HK$971/mo
Today · 4.125%
HK$32,657
baseline
▲ 0.50% · 4.625%
HK$34,644
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,314/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,187
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,104
−HK$930/mo
Today · 4.125%
HK$36,034
baseline
▲ 0.50% · 4.625%
HK$37,933
+HK$1,899/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,068/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,510
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,739
−HK$1,249/mo
Today · 4.125%
HK$41,988
baseline
▲ 0.50% · 4.625%
HK$44,543
+HK$2,555/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$83,976/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,955
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$45,133
−HK$1,196/mo
Today · 4.125%
HK$46,329
baseline
▲ 0.50% · 4.625%
HK$48,771
+HK$2,442/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$92,658/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,613 · 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).