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$21,985
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,668
−HK$695/mo
Today · 4.125%
HK$23,363
baseline
▲ 0.50% · 4.625%
HK$24,785
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,726/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,458
−HK$1,321/mo
▼ 0.25% · 3.875%
HK$25,114
−HK$665/mo
Today · 4.125%
HK$25,779
baseline
▲ 0.50% · 4.625%
HK$27,138
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,558/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,382
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,202
−HK$834/mo
Today · 4.125%
HK$28,036
baseline
▲ 0.50% · 4.625%
HK$29,742
+HK$1,706/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$56,072/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,349
−HK$1,586/mo
▼ 0.25% · 3.875%
HK$30,136
−HK$799/mo
Today · 4.125%
HK$30,935
baseline
▲ 0.50% · 4.625%
HK$32,565
+HK$1,630/mo
Deposit HK$3.86M · loan HK$5.78M · min. income ≈ HK$61,870/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,778
−HK$1,931/mo
▼ 0.25% · 3.875%
HK$31,736
−HK$973/mo
Today · 4.125%
HK$32,709
baseline
▲ 0.50% · 4.625%
HK$34,699
+HK$1,990/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,418/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,241
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$35,159
−HK$932/mo
Today · 4.125%
HK$36,091
baseline
▲ 0.50% · 4.625%
HK$37,993
+HK$1,902/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,182/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,572
−HK$2,482/mo
▼ 0.25% · 3.875%
HK$40,803
−HK$1,251/mo
Today · 4.125%
HK$42,054
baseline
▲ 0.50% · 4.625%
HK$44,613
+HK$2,559/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$84,108/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,024
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$45,204
−HK$1,198/mo
Today · 4.125%
HK$46,402
baseline
▲ 0.50% · 4.625%
HK$48,848
+HK$2,446/mo
Deposit HK$964K · loan HK$8.68M · min. income ≈ HK$92,804/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,129 · 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).