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$22,039
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,724
−HK$697/mo
Today · 4.125%
HK$23,421
baseline
▲ 0.50% · 4.625%
HK$24,846
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,842/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,518
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,176
−HK$667/mo
Today · 4.125%
HK$25,843
baseline
▲ 0.50% · 4.625%
HK$27,205
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,686/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,447
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,269
−HK$836/mo
Today · 4.125%
HK$28,105
baseline
▲ 0.50% · 4.625%
HK$29,815
+HK$1,710/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,210/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,422
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,211
−HK$800/mo
Today · 4.125%
HK$31,011
baseline
▲ 0.50% · 4.625%
HK$32,646
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,022/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,854
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,814
−HK$975/mo
Today · 4.125%
HK$32,789
baseline
▲ 0.50% · 4.625%
HK$34,784
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,578/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,325
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,246
−HK$934/mo
Today · 4.125%
HK$36,180
baseline
▲ 0.50% · 4.625%
HK$38,087
+HK$1,907/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,360/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,670
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,904
−HK$1,254/mo
Today · 4.125%
HK$42,158
baseline
▲ 0.50% · 4.625%
HK$44,723
+HK$2,565/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,316/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,132
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,316
−HK$1,201/mo
Today · 4.125%
HK$46,517
baseline
▲ 0.50% · 4.625%
HK$48,969
+HK$2,452/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,034/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,509 · 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).