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$21,921
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$22,603
−HK$693/mo
Today · 4.125%
HK$23,296
baseline
▲ 0.50% · 4.625%
HK$24,713
+HK$1,417/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$46,592/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,387
−HK$1,317/mo
▼ 0.25% · 3.875%
HK$25,041
−HK$663/mo
Today · 4.125%
HK$25,704
baseline
▲ 0.50% · 4.625%
HK$27,059
+HK$1,355/mo
Deposit HK$4.81M · loan HK$4.81M · min. income ≈ HK$51,408/mo (50% DSR)
Upfront cash ≈ HK$5.14M (deposit + AVD stamp duty HK$331,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,305
−HK$1,650/mo
▼ 0.25% · 3.875%
HK$27,123
−HK$832/mo
Today · 4.125%
HK$27,955
baseline
▲ 0.50% · 4.625%
HK$29,656
+HK$1,701/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$55,910/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,264
−HK$1,581/mo
▼ 0.25% · 3.875%
HK$30,049
−HK$796/mo
Today · 4.125%
HK$30,845
baseline
▲ 0.50% · 4.625%
HK$32,471
+HK$1,626/mo
Deposit HK$3.85M · loan HK$5.77M · min. income ≈ HK$61,690/mo (50% DSR)
Upfront cash ≈ HK$4.18M (deposit + AVD stamp duty HK$331,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,689
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,644
−HK$970/mo
Today · 4.125%
HK$32,614
baseline
▲ 0.50% · 4.625%
HK$34,598
+HK$1,984/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$65,228/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,142
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,057
−HK$929/mo
Today · 4.125%
HK$35,986
baseline
▲ 0.50% · 4.625%
HK$37,883
+HK$1,897/mo
Deposit HK$2.88M · loan HK$6.73M · min. income ≈ HK$71,972/mo (50% DSR)
Upfront cash ≈ HK$3.22M (deposit + AVD stamp duty HK$331,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,458
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$40,685
−HK$1,247/mo
Today · 4.125%
HK$41,932
baseline
▲ 0.50% · 4.625%
HK$44,484
+HK$2,552/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$83,864/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,896
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$45,074
−HK$1,194/mo
Today · 4.125%
HK$46,268
baseline
▲ 0.50% · 4.625%
HK$48,707
+HK$2,439/mo
Deposit HK$961K · loan HK$8.65M · min. income ≈ HK$92,536/mo (50% DSR)
Upfront cash ≈ HK$1.29M (deposit + AVD stamp duty HK$331,339 · 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).