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$22,051
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,737
−HK$697/mo
Today · 4.125%
HK$23,434
baseline
▲ 0.50% · 4.625%
HK$24,860
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,868/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,532
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,190
−HK$667/mo
Today · 4.125%
HK$25,857
baseline
▲ 0.50% · 4.625%
HK$27,220
+HK$1,363/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,714/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,461
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,285
−HK$836/mo
Today · 4.125%
HK$28,121
baseline
▲ 0.50% · 4.625%
HK$29,832
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,242/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,438
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,228
−HK$800/mo
Today · 4.125%
HK$31,028
baseline
▲ 0.50% · 4.625%
HK$32,664
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,056/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,872
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,832
−HK$976/mo
Today · 4.125%
HK$32,808
baseline
▲ 0.50% · 4.625%
HK$34,804
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,616/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,344
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,265
−HK$935/mo
Today · 4.125%
HK$36,200
baseline
▲ 0.50% · 4.625%
HK$38,108
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,400/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,692
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,927
−HK$1,254/mo
Today · 4.125%
HK$42,181
baseline
▲ 0.50% · 4.625%
HK$44,748
+HK$2,567/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,362/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,157
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,341
−HK$1,202/mo
Today · 4.125%
HK$46,543
baseline
▲ 0.50% · 4.625%
HK$48,996
+HK$2,453/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,086/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,048 · 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).