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$21,938
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$22,621
−HK$693/mo
Today · 4.125%
HK$23,314
baseline
▲ 0.50% · 4.625%
HK$24,733
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,628/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,406
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,061
−HK$664/mo
Today · 4.125%
HK$25,725
baseline
▲ 0.50% · 4.625%
HK$27,081
+HK$1,356/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,450/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$332,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,326
−HK$1,651/mo
▼ 0.25% · 3.875%
HK$27,145
−HK$832/mo
Today · 4.125%
HK$27,977
baseline
▲ 0.50% · 4.625%
HK$29,679
+HK$1,702/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,954/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,287
−HK$1,583/mo
▼ 0.25% · 3.875%
HK$30,073
−HK$797/mo
Today · 4.125%
HK$30,870
baseline
▲ 0.50% · 4.625%
HK$32,497
+HK$1,627/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,740/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,714
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,669
−HK$971/mo
Today · 4.125%
HK$32,640
baseline
▲ 0.50% · 4.625%
HK$34,626
+HK$1,986/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$65,280/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,169
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,085
−HK$930/mo
Today · 4.125%
HK$36,015
baseline
▲ 0.50% · 4.625%
HK$37,913
+HK$1,898/mo
Deposit HK$2.89M · loan HK$6.73M · min. income ≈ HK$72,030/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,489
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$40,717
−HK$1,248/mo
Today · 4.125%
HK$41,965
baseline
▲ 0.50% · 4.625%
HK$44,519
+HK$2,554/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$83,930/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,931
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$45,109
−HK$1,195/mo
Today · 4.125%
HK$46,304
baseline
▲ 0.50% · 4.625%
HK$48,745
+HK$2,441/mo
Deposit HK$962K · loan HK$8.66M · min. income ≈ HK$92,608/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$332,097 · 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).