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$22,053
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,739
−HK$697/mo
Today · 4.125%
HK$23,436
baseline
▲ 0.50% · 4.625%
HK$24,862
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,872/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,534
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,192
−HK$667/mo
Today · 4.125%
HK$25,859
baseline
▲ 0.50% · 4.625%
HK$27,223
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,718/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,464
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,287
−HK$836/mo
Today · 4.125%
HK$28,123
baseline
▲ 0.50% · 4.625%
HK$29,835
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,246/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,441
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,230
−HK$801/mo
Today · 4.125%
HK$31,031
baseline
▲ 0.50% · 4.625%
HK$32,667
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,062/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,875
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,835
−HK$976/mo
Today · 4.125%
HK$32,811
baseline
▲ 0.50% · 4.625%
HK$34,807
+HK$1,996/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$337,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,348
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,269
−HK$934/mo
Today · 4.125%
HK$36,203
baseline
▲ 0.50% · 4.625%
HK$38,112
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,406/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,696
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,931
−HK$1,254/mo
Today · 4.125%
HK$42,185
baseline
▲ 0.50% · 4.625%
HK$44,752
+HK$2,567/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,370/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,161
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,346
−HK$1,201/mo
Today · 4.125%
HK$46,547
baseline
▲ 0.50% · 4.625%
HK$49,001
+HK$2,454/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,094/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,139 · 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).