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$22,054
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,740
−HK$697/mo
Today · 4.125%
HK$23,437
baseline
▲ 0.50% · 4.625%
HK$24,863
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,874/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,535
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,193
−HK$667/mo
Today · 4.125%
HK$25,860
baseline
▲ 0.50% · 4.625%
HK$27,223
+HK$1,363/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,720/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,465
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,288
−HK$836/mo
Today · 4.125%
HK$28,124
baseline
▲ 0.50% · 4.625%
HK$29,835
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,248/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,442
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,231
−HK$801/mo
Today · 4.125%
HK$31,032
baseline
▲ 0.50% · 4.625%
HK$32,668
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,064/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,875
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,836
−HK$975/mo
Today · 4.125%
HK$32,811
baseline
▲ 0.50% · 4.625%
HK$34,808
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,622/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,348
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,270
−HK$934/mo
Today · 4.125%
HK$36,204
baseline
▲ 0.50% · 4.625%
HK$38,113
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,408/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,697
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,932
−HK$1,254/mo
Today · 4.125%
HK$42,186
baseline
▲ 0.50% · 4.625%
HK$44,753
+HK$2,567/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,372/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,162
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,347
−HK$1,201/mo
Today · 4.125%
HK$46,548
baseline
▲ 0.50% · 4.625%
HK$49,002
+HK$2,454/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,096/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,163 · 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).