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$22,048
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,734
−HK$697/mo
Today · 4.125%
HK$23,431
baseline
▲ 0.50% · 4.625%
HK$24,857
+HK$1,426/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,862/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,529
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,186
−HK$668/mo
Today · 4.125%
HK$25,854
baseline
▲ 0.50% · 4.625%
HK$27,217
+HK$1,363/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,708/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,458
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,281
−HK$836/mo
Today · 4.125%
HK$28,117
baseline
▲ 0.50% · 4.625%
HK$29,828
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,234/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,434
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,224
−HK$801/mo
Today · 4.125%
HK$31,025
baseline
▲ 0.50% · 4.625%
HK$32,660
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,050/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,868
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,828
−HK$975/mo
Today · 4.125%
HK$32,803
baseline
▲ 0.50% · 4.625%
HK$34,799
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,606/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,340
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,261
−HK$934/mo
Today · 4.125%
HK$36,195
baseline
▲ 0.50% · 4.625%
HK$38,103
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,390/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,687
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,922
−HK$1,254/mo
Today · 4.125%
HK$42,176
baseline
▲ 0.50% · 4.625%
HK$44,742
+HK$2,566/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,352/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,151
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,336
−HK$1,201/mo
Today · 4.125%
HK$46,537
baseline
▲ 0.50% · 4.625%
HK$48,990
+HK$2,453/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,074/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,926 · 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).