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$22,060
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,746
−HK$697/mo
Today · 4.125%
HK$23,443
baseline
▲ 0.50% · 4.625%
HK$24,869
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,886/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,541
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,199
−HK$668/mo
Today · 4.125%
HK$25,867
baseline
▲ 0.50% · 4.625%
HK$27,230
+HK$1,363/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,734/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,472
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,295
−HK$837/mo
Today · 4.125%
HK$28,132
baseline
▲ 0.50% · 4.625%
HK$29,843
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,264/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,449
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,239
−HK$801/mo
Today · 4.125%
HK$31,040
baseline
▲ 0.50% · 4.625%
HK$32,677
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,080/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,883
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,844
−HK$976/mo
Today · 4.125%
HK$32,820
baseline
▲ 0.50% · 4.625%
HK$34,817
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,640/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,358
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,279
−HK$935/mo
Today · 4.125%
HK$36,214
baseline
▲ 0.50% · 4.625%
HK$38,123
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,428/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,707
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,942
−HK$1,255/mo
Today · 4.125%
HK$42,197
baseline
▲ 0.50% · 4.625%
HK$44,765
+HK$2,568/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$84,394/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,174
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,359
−HK$1,202/mo
Today · 4.125%
HK$46,561
baseline
▲ 0.50% · 4.625%
HK$49,015
+HK$2,454/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$93,122/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,420 · 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).