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$21,968
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$22,651
−HK$695/mo
Today · 4.125%
HK$23,346
baseline
▲ 0.50% · 4.625%
HK$24,766
+HK$1,420/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,692/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,439
−HK$1,320/mo
▼ 0.25% · 3.875%
HK$25,095
−HK$664/mo
Today · 4.125%
HK$25,759
baseline
▲ 0.50% · 4.625%
HK$27,117
+HK$1,358/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,518/mo (50% DSR)
Upfront cash ≈ HK$5.15M (deposit + AVD stamp duty HK$333,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,362
−HK$1,653/mo
▼ 0.25% · 3.875%
HK$27,181
−HK$834/mo
Today · 4.125%
HK$28,015
baseline
▲ 0.50% · 4.625%
HK$29,719
+HK$1,704/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$56,030/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,327
−HK$1,584/mo
▼ 0.25% · 3.875%
HK$30,113
−HK$798/mo
Today · 4.125%
HK$30,911
baseline
▲ 0.50% · 4.625%
HK$32,541
+HK$1,630/mo
Deposit HK$3.85M · loan HK$5.78M · min. income ≈ HK$61,822/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$333,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,755
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,712
−HK$972/mo
Today · 4.125%
HK$32,684
baseline
▲ 0.50% · 4.625%
HK$34,672
+HK$1,988/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$65,368/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,215
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,132
−HK$931/mo
Today · 4.125%
HK$36,063
baseline
▲ 0.50% · 4.625%
HK$37,964
+HK$1,901/mo
Deposit HK$2.89M · loan HK$6.74M · min. income ≈ HK$72,126/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$333,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,542
−HK$2,480/mo
▼ 0.25% · 3.875%
HK$40,772
−HK$1,250/mo
Today · 4.125%
HK$42,022
baseline
▲ 0.50% · 4.625%
HK$44,579
+HK$2,557/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$84,044/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,990
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$45,170
−HK$1,197/mo
Today · 4.125%
HK$46,367
baseline
▲ 0.50% · 4.625%
HK$48,811
+HK$2,444/mo
Deposit HK$963K · loan HK$8.67M · min. income ≈ HK$92,734/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$333,397 · 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).