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$22,028
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,713
−HK$697/mo
Today · 4.125%
HK$23,410
baseline
▲ 0.50% · 4.625%
HK$24,834
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,820/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,506
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,163
−HK$667/mo
Today · 4.125%
HK$25,830
baseline
▲ 0.50% · 4.625%
HK$27,192
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,660/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,434
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,256
−HK$835/mo
Today · 4.125%
HK$28,091
baseline
▲ 0.50% · 4.625%
HK$29,801
+HK$1,710/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$56,182/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,407
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,196
−HK$800/mo
Today · 4.125%
HK$30,996
baseline
▲ 0.50% · 4.625%
HK$32,630
+HK$1,634/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$61,992/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,839
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,799
−HK$974/mo
Today · 4.125%
HK$32,773
baseline
▲ 0.50% · 4.625%
HK$34,768
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,546/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,309
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,229
−HK$933/mo
Today · 4.125%
HK$36,162
baseline
▲ 0.50% · 4.625%
HK$38,068
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,324/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,651
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,884
−HK$1,253/mo
Today · 4.125%
HK$42,137
baseline
▲ 0.50% · 4.625%
HK$44,701
+HK$2,564/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,274/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,111
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,294
−HK$1,200/mo
Today · 4.125%
HK$46,494
baseline
▲ 0.50% · 4.625%
HK$48,945
+HK$2,451/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,988/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,041 · 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).