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$22,015
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,700
−HK$696/mo
Today · 4.125%
HK$23,396
baseline
▲ 0.50% · 4.625%
HK$24,820
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,792/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,492
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,149
−HK$666/mo
Today · 4.125%
HK$25,815
baseline
▲ 0.50% · 4.625%
HK$27,176
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,630/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,419
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,240
−HK$835/mo
Today · 4.125%
HK$28,075
baseline
▲ 0.50% · 4.625%
HK$29,783
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,150/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,390
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,179
−HK$799/mo
Today · 4.125%
HK$30,978
baseline
▲ 0.50% · 4.625%
HK$32,611
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,956/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,822
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,780
−HK$974/mo
Today · 4.125%
HK$32,754
baseline
▲ 0.50% · 4.625%
HK$34,747
+HK$1,993/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,508/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,289
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,208
−HK$933/mo
Today · 4.125%
HK$36,141
baseline
▲ 0.50% · 4.625%
HK$38,046
+HK$1,905/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,282/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,628
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,860
−HK$1,253/mo
Today · 4.125%
HK$42,113
baseline
▲ 0.50% · 4.625%
HK$44,675
+HK$2,562/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$84,226/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,085
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,268
−HK$1,199/mo
Today · 4.125%
HK$46,467
baseline
▲ 0.50% · 4.625%
HK$48,917
+HK$2,450/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$92,934/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,480 · 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).