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$21,970
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$22,653
−HK$694/mo
Today · 4.125%
HK$23,347
baseline
▲ 0.50% · 4.625%
HK$24,768
+HK$1,421/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,694/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,441
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,096
−HK$665/mo
Today · 4.125%
HK$25,761
baseline
▲ 0.50% · 4.625%
HK$27,119
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,522/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,363
−HK$1,654/mo
▼ 0.25% · 3.875%
HK$27,183
−HK$834/mo
Today · 4.125%
HK$28,017
baseline
▲ 0.50% · 4.625%
HK$29,721
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,034/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,329
−HK$1,585/mo
▼ 0.25% · 3.875%
HK$30,116
−HK$798/mo
Today · 4.125%
HK$30,914
baseline
▲ 0.50% · 4.625%
HK$32,543
+HK$1,629/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,828/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,757
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,714
−HK$972/mo
Today · 4.125%
HK$32,686
baseline
▲ 0.50% · 4.625%
HK$34,675
+HK$1,989/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,372/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,217
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,135
−HK$931/mo
Today · 4.125%
HK$36,066
baseline
▲ 0.50% · 4.625%
HK$37,967
+HK$1,901/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,132/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,545
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,775
−HK$1,250/mo
Today · 4.125%
HK$42,025
baseline
▲ 0.50% · 4.625%
HK$44,582
+HK$2,557/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,050/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,994
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$45,173
−HK$1,197/mo
Today · 4.125%
HK$46,370
baseline
▲ 0.50% · 4.625%
HK$48,815
+HK$2,445/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,740/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,468 · 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).