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$21,952
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,635
−HK$693/mo
Today · 4.125%
HK$23,328
baseline
▲ 0.50% · 4.625%
HK$24,748
+HK$1,420/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,656/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,421
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,076
−HK$665/mo
Today · 4.125%
HK$25,741
baseline
▲ 0.50% · 4.625%
HK$27,097
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,482/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,342
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,162
−HK$832/mo
Today · 4.125%
HK$27,994
baseline
▲ 0.50% · 4.625%
HK$29,698
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$55,988/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,305
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,091
−HK$798/mo
Today · 4.125%
HK$30,889
baseline
▲ 0.50% · 4.625%
HK$32,517
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,778/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,733
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,689
−HK$971/mo
Today · 4.125%
HK$32,660
baseline
▲ 0.50% · 4.625%
HK$34,647
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,320/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,190
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,107
−HK$930/mo
Today · 4.125%
HK$36,037
baseline
▲ 0.50% · 4.625%
HK$37,936
+HK$1,899/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,074/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,513
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$40,742
−HK$1,249/mo
Today · 4.125%
HK$41,991
baseline
▲ 0.50% · 4.625%
HK$44,546
+HK$2,555/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$83,982/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,958
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,137
−HK$1,196/mo
Today · 4.125%
HK$46,333
baseline
▲ 0.50% · 4.625%
HK$48,775
+HK$2,442/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$92,666/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,693 · 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).