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$22,026
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,711
−HK$697/mo
Today · 4.125%
HK$23,408
baseline
▲ 0.50% · 4.625%
HK$24,832
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,816/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$335,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,504
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,161
−HK$667/mo
Today · 4.125%
HK$25,828
baseline
▲ 0.50% · 4.625%
HK$27,189
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,656/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$335,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,432
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,254
−HK$835/mo
Today · 4.125%
HK$28,089
baseline
▲ 0.50% · 4.625%
HK$29,798
+HK$1,709/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$56,178/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,405
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,193
−HK$800/mo
Today · 4.125%
HK$30,993
baseline
▲ 0.50% · 4.625%
HK$32,627
+HK$1,634/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$61,986/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,837
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,796
−HK$975/mo
Today · 4.125%
HK$32,771
baseline
▲ 0.50% · 4.625%
HK$34,765
+HK$1,994/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,542/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,306
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,226
−HK$933/mo
Today · 4.125%
HK$36,159
baseline
▲ 0.50% · 4.625%
HK$38,065
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,318/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,647
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,881
−HK$1,253/mo
Today · 4.125%
HK$42,134
baseline
▲ 0.50% · 4.625%
HK$44,697
+HK$2,563/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,268/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,107
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,290
−HK$1,200/mo
Today · 4.125%
HK$46,490
baseline
▲ 0.50% · 4.625%
HK$48,941
+HK$2,451/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,980/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,957 · 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).