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$22,011
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,695
−HK$696/mo
Today · 4.125%
HK$23,391
baseline
▲ 0.50% · 4.625%
HK$24,814
+HK$1,423/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,782/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,487
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,143
−HK$666/mo
Today · 4.125%
HK$25,809
baseline
▲ 0.50% · 4.625%
HK$27,170
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,618/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,413
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,234
−HK$835/mo
Today · 4.125%
HK$28,069
baseline
▲ 0.50% · 4.625%
HK$29,777
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,138/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,384
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,172
−HK$799/mo
Today · 4.125%
HK$30,971
baseline
▲ 0.50% · 4.625%
HK$32,604
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,942/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,815
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,773
−HK$974/mo
Today · 4.125%
HK$32,747
baseline
▲ 0.50% · 4.625%
HK$34,740
+HK$1,993/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,494/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,281
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,201
−HK$932/mo
Today · 4.125%
HK$36,133
baseline
▲ 0.50% · 4.625%
HK$38,038
+HK$1,905/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,266/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,619
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,851
−HK$1,253/mo
Today · 4.125%
HK$42,104
baseline
▲ 0.50% · 4.625%
HK$44,665
+HK$2,561/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$84,208/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,076
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,258
−HK$1,199/mo
Today · 4.125%
HK$46,457
baseline
▲ 0.50% · 4.625%
HK$48,906
+HK$2,449/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$92,914/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,268 · 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).