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$21,917
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$22,599
−HK$692/mo
Today · 4.125%
HK$23,291
baseline
▲ 0.50% · 4.625%
HK$24,709
+HK$1,418/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,582/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,382
−HK$1,318/mo
▼ 0.25% · 3.875%
HK$25,036
−HK$664/mo
Today · 4.125%
HK$25,700
baseline
▲ 0.50% · 4.625%
HK$27,054
+HK$1,354/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,400/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,300
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,118
−HK$832/mo
Today · 4.125%
HK$27,950
baseline
▲ 0.50% · 4.625%
HK$29,650
+HK$1,700/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$55,900/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,259
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,044
−HK$796/mo
Today · 4.125%
HK$30,840
baseline
▲ 0.50% · 4.625%
HK$32,465
+HK$1,625/mo
Deposit HK$3.84M · loan HK$5.77M · min. income ≈ HK$61,680/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,684
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,638
−HK$970/mo
Today · 4.125%
HK$32,608
baseline
▲ 0.50% · 4.625%
HK$34,592
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,216/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,135
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,051
−HK$929/mo
Today · 4.125%
HK$35,980
baseline
▲ 0.50% · 4.625%
HK$37,876
+HK$1,896/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,960/mo (50% DSR)
Upfront cash ≈ HK$3.21M (deposit + AVD stamp duty HK$331,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,451
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,678
−HK$1,247/mo
Today · 4.125%
HK$41,925
baseline
▲ 0.50% · 4.625%
HK$44,476
+HK$2,551/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,850/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,888
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,065
−HK$1,195/mo
Today · 4.125%
HK$46,260
baseline
▲ 0.50% · 4.625%
HK$48,698
+HK$2,438/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,520/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,164 · 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).