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$22,035
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,720
−HK$696/mo
Today · 4.125%
HK$23,416
baseline
▲ 0.50% · 4.625%
HK$24,841
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,832/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,513
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,171
−HK$667/mo
Today · 4.125%
HK$25,838
baseline
▲ 0.50% · 4.625%
HK$27,200
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,676/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,442
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,264
−HK$836/mo
Today · 4.125%
HK$28,100
baseline
▲ 0.50% · 4.625%
HK$29,809
+HK$1,709/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,200/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,416
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,205
−HK$800/mo
Today · 4.125%
HK$31,005
baseline
▲ 0.50% · 4.625%
HK$32,640
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,010/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,848
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,808
−HK$975/mo
Today · 4.125%
HK$32,783
baseline
▲ 0.50% · 4.625%
HK$34,778
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,566/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,319
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,239
−HK$934/mo
Today · 4.125%
HK$36,173
baseline
▲ 0.50% · 4.625%
HK$38,079
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,346/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,662
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,896
−HK$1,253/mo
Today · 4.125%
HK$42,149
baseline
▲ 0.50% · 4.625%
HK$44,714
+HK$2,565/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$84,298/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,124
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,307
−HK$1,201/mo
Today · 4.125%
HK$46,508
baseline
▲ 0.50% · 4.625%
HK$48,959
+HK$2,451/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$93,016/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,322 · 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).