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$21,918
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,600
−HK$692/mo
Today · 4.125%
HK$23,292
baseline
▲ 0.50% · 4.625%
HK$24,710
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,584/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,383
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,037
−HK$664/mo
Today · 4.125%
HK$25,701
baseline
▲ 0.50% · 4.625%
HK$27,055
+HK$1,354/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,402/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,301
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,119
−HK$832/mo
Today · 4.125%
HK$27,951
baseline
▲ 0.50% · 4.625%
HK$29,651
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$55,902/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,260
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,045
−HK$796/mo
Today · 4.125%
HK$30,841
baseline
▲ 0.50% · 4.625%
HK$32,466
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$61,682/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,685
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,639
−HK$970/mo
Today · 4.125%
HK$32,609
baseline
▲ 0.50% · 4.625%
HK$34,593
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,218/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,137
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,052
−HK$929/mo
Today · 4.125%
HK$35,981
baseline
▲ 0.50% · 4.625%
HK$37,878
+HK$1,897/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,962/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,452
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,679
−HK$1,247/mo
Today · 4.125%
HK$41,926
baseline
▲ 0.50% · 4.625%
HK$44,477
+HK$2,551/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,852/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,890
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$45,067
−HK$1,194/mo
Today · 4.125%
HK$46,261
baseline
▲ 0.50% · 4.625%
HK$48,700
+HK$2,439/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,522/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,199 · 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).