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$22,005
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,690
−HK$695/mo
Today · 4.125%
HK$23,385
baseline
▲ 0.50% · 4.625%
HK$24,808
+HK$1,423/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,770/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,481
−HK$1,322/mo
▼ 0.25% · 3.875%
HK$25,137
−HK$666/mo
Today · 4.125%
HK$25,803
baseline
▲ 0.50% · 4.625%
HK$27,163
+HK$1,360/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,606/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,406
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,228
−HK$834/mo
Today · 4.125%
HK$28,062
baseline
▲ 0.50% · 4.625%
HK$29,770
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,124/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,377
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,165
−HK$799/mo
Today · 4.125%
HK$30,964
baseline
▲ 0.50% · 4.625%
HK$32,596
+HK$1,632/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,928/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,807
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,766
−HK$973/mo
Today · 4.125%
HK$32,739
baseline
▲ 0.50% · 4.625%
HK$34,731
+HK$1,992/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,478/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,273
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,192
−HK$933/mo
Today · 4.125%
HK$36,125
baseline
▲ 0.50% · 4.625%
HK$38,029
+HK$1,904/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,250/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,610
−HK$2,483/mo
▼ 0.25% · 3.875%
HK$40,842
−HK$1,251/mo
Today · 4.125%
HK$42,093
baseline
▲ 0.50% · 4.625%
HK$44,655
+HK$2,562/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$84,186/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,065
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,247
−HK$1,199/mo
Today · 4.125%
HK$46,446
baseline
▲ 0.50% · 4.625%
HK$48,894
+HK$2,448/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$92,892/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,036 · 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).