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$22,042
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,728
−HK$696/mo
Today · 4.125%
HK$23,424
baseline
▲ 0.50% · 4.625%
HK$24,850
+HK$1,426/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,848/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,521
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,179
−HK$667/mo
Today · 4.125%
HK$25,846
baseline
▲ 0.50% · 4.625%
HK$27,209
+HK$1,363/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,692/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,450
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,273
−HK$836/mo
Today · 4.125%
HK$28,109
baseline
▲ 0.50% · 4.625%
HK$29,819
+HK$1,710/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,218/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,426
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,215
−HK$801/mo
Today · 4.125%
HK$31,016
baseline
▲ 0.50% · 4.625%
HK$32,650
+HK$1,634/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,032/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,859
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,819
−HK$975/mo
Today · 4.125%
HK$32,794
baseline
▲ 0.50% · 4.625%
HK$34,789
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,588/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,330
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,251
−HK$934/mo
Today · 4.125%
HK$36,185
baseline
▲ 0.50% · 4.625%
HK$38,092
+HK$1,907/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,370/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,676
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,910
−HK$1,254/mo
Today · 4.125%
HK$42,164
baseline
▲ 0.50% · 4.625%
HK$44,729
+HK$2,565/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,328/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,139
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,322
−HK$1,201/mo
Today · 4.125%
HK$46,523
baseline
▲ 0.50% · 4.625%
HK$48,976
+HK$2,453/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,046/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,646 · 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).