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$22,024
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,709
−HK$696/mo
Today · 4.125%
HK$23,405
baseline
▲ 0.50% · 4.625%
HK$24,830
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,810/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$335,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,502
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,159
−HK$667/mo
Today · 4.125%
HK$25,826
baseline
▲ 0.50% · 4.625%
HK$27,187
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,652/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$335,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,429
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,251
−HK$835/mo
Today · 4.125%
HK$28,086
baseline
▲ 0.50% · 4.625%
HK$29,795
+HK$1,709/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$56,172/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,402
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,191
−HK$800/mo
Today · 4.125%
HK$30,991
baseline
▲ 0.50% · 4.625%
HK$32,624
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$61,982/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,834
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,793
−HK$975/mo
Today · 4.125%
HK$32,768
baseline
▲ 0.50% · 4.625%
HK$34,761
+HK$1,993/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,536/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,303
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,222
−HK$934/mo
Today · 4.125%
HK$36,156
baseline
▲ 0.50% · 4.625%
HK$38,062
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,312/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,644
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,877
−HK$1,253/mo
Today · 4.125%
HK$42,130
baseline
▲ 0.50% · 4.625%
HK$44,693
+HK$2,563/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,260/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,103
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,286
−HK$1,200/mo
Today · 4.125%
HK$46,486
baseline
▲ 0.50% · 4.625%
HK$48,936
+HK$2,450/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,972/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,869 · 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).