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$21,998
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$22,682
−HK$695/mo
Today · 4.125%
HK$23,377
baseline
▲ 0.50% · 4.625%
HK$24,800
+HK$1,423/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,754/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,473
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,129
−HK$666/mo
Today · 4.125%
HK$25,795
baseline
▲ 0.50% · 4.625%
HK$27,154
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,590/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,398
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,219
−HK$834/mo
Today · 4.125%
HK$28,053
baseline
▲ 0.50% · 4.625%
HK$29,760
+HK$1,707/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,106/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,367
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,155
−HK$799/mo
Today · 4.125%
HK$30,954
baseline
▲ 0.50% · 4.625%
HK$32,585
+HK$1,631/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,908/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,797
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,755
−HK$973/mo
Today · 4.125%
HK$32,728
baseline
▲ 0.50% · 4.625%
HK$34,720
+HK$1,992/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,456/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,262
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,180
−HK$933/mo
Today · 4.125%
HK$36,113
baseline
▲ 0.50% · 4.625%
HK$38,016
+HK$1,903/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,226/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,596
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,828
−HK$1,251/mo
Today · 4.125%
HK$42,079
baseline
▲ 0.50% · 4.625%
HK$44,640
+HK$2,561/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,158/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,051
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$45,232
−HK$1,198/mo
Today · 4.125%
HK$46,430
baseline
▲ 0.50% · 4.625%
HK$48,878
+HK$2,448/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,860/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,715 · 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).