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$21,989
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,673
−HK$695/mo
Today · 4.125%
HK$23,368
baseline
▲ 0.50% · 4.625%
HK$24,790
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,736/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,462
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,119
−HK$665/mo
Today · 4.125%
HK$25,784
baseline
▲ 0.50% · 4.625%
HK$27,143
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,568/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,387
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,208
−HK$833/mo
Today · 4.125%
HK$28,041
baseline
▲ 0.50% · 4.625%
HK$29,748
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,082/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,355
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,142
−HK$799/mo
Today · 4.125%
HK$30,941
baseline
▲ 0.50% · 4.625%
HK$32,572
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,882/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,785
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$31,742
−HK$973/mo
Today · 4.125%
HK$32,715
baseline
▲ 0.50% · 4.625%
HK$34,706
+HK$1,991/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,430/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,247
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,166
−HK$932/mo
Today · 4.125%
HK$36,098
baseline
▲ 0.50% · 4.625%
HK$38,001
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,196/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,580
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,811
−HK$1,251/mo
Today · 4.125%
HK$42,062
baseline
▲ 0.50% · 4.625%
HK$44,622
+HK$2,560/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,124/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,032
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,213
−HK$1,198/mo
Today · 4.125%
HK$46,411
baseline
▲ 0.50% · 4.625%
HK$48,858
+HK$2,447/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,822/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,319 · 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).