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$21,950
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,633
−HK$694/mo
Today · 4.125%
HK$23,327
baseline
▲ 0.50% · 4.625%
HK$24,746
+HK$1,419/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,654/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,420
−HK$1,319/mo
▼ 0.25% · 3.875%
HK$25,074
−HK$665/mo
Today · 4.125%
HK$25,739
baseline
▲ 0.50% · 4.625%
HK$27,096
+HK$1,357/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,478/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$332,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,340
−HK$1,652/mo
▼ 0.25% · 3.875%
HK$27,160
−HK$832/mo
Today · 4.125%
HK$27,992
baseline
▲ 0.50% · 4.625%
HK$29,695
+HK$1,703/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$55,984/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,303
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,089
−HK$798/mo
Today · 4.125%
HK$30,887
baseline
▲ 0.50% · 4.625%
HK$32,515
+HK$1,628/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,774/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$332,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,730
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,686
−HK$972/mo
Today · 4.125%
HK$32,658
baseline
▲ 0.50% · 4.625%
HK$34,645
+HK$1,987/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,316/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,187
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,104
−HK$930/mo
Today · 4.125%
HK$36,034
baseline
▲ 0.50% · 4.625%
HK$37,934
+HK$1,900/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,068/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$332,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,511
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$40,740
−HK$1,248/mo
Today · 4.125%
HK$41,988
baseline
▲ 0.50% · 4.625%
HK$44,543
+HK$2,555/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$83,976/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,955
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$45,134
−HK$1,196/mo
Today · 4.125%
HK$46,330
baseline
▲ 0.50% · 4.625%
HK$48,772
+HK$2,442/mo
Deposit HK$963K · loan HK$8.66M · min. income ≈ HK$92,660/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$332,627 · 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).