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$21,936
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,618
−HK$693/mo
Today · 4.125%
HK$23,311
baseline
▲ 0.50% · 4.625%
HK$24,730
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,622/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,403
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,058
−HK$664/mo
Today · 4.125%
HK$25,722
baseline
▲ 0.50% · 4.625%
HK$27,077
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,444/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,323
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,142
−HK$831/mo
Today · 4.125%
HK$27,973
baseline
▲ 0.50% · 4.625%
HK$29,676
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,946/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,284
−HK$1,582/mo
▼ 0.25% · 3.875%
HK$30,069
−HK$797/mo
Today · 4.125%
HK$30,866
baseline
▲ 0.50% · 4.625%
HK$32,493
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,732/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,710
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,665
−HK$971/mo
Today · 4.125%
HK$32,636
baseline
▲ 0.50% · 4.625%
HK$34,621
+HK$1,985/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,272/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,164
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,081
−HK$929/mo
Today · 4.125%
HK$36,010
baseline
▲ 0.50% · 4.625%
HK$37,908
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,020/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,484
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,712
−HK$1,248/mo
Today · 4.125%
HK$41,960
baseline
▲ 0.50% · 4.625%
HK$44,513
+HK$2,553/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,920/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,926
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,104
−HK$1,195/mo
Today · 4.125%
HK$46,299
baseline
▲ 0.50% · 4.625%
HK$48,739
+HK$2,440/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,598/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,980 · 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).