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$22,029
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,714
−HK$697/mo
Today · 4.125%
HK$23,411
baseline
▲ 0.50% · 4.625%
HK$24,835
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,822/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,507
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,164
−HK$667/mo
Today · 4.125%
HK$25,831
baseline
▲ 0.50% · 4.625%
HK$27,193
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,662/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,435
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,257
−HK$836/mo
Today · 4.125%
HK$28,093
baseline
▲ 0.50% · 4.625%
HK$29,802
+HK$1,709/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$56,186/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,409
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,197
−HK$801/mo
Today · 4.125%
HK$30,998
baseline
▲ 0.50% · 4.625%
HK$32,631
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$61,996/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,841
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,800
−HK$975/mo
Today · 4.125%
HK$32,775
baseline
▲ 0.50% · 4.625%
HK$34,769
+HK$1,994/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,550/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,310
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,230
−HK$934/mo
Today · 4.125%
HK$36,164
baseline
▲ 0.50% · 4.625%
HK$38,070
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,328/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,652
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,886
−HK$1,253/mo
Today · 4.125%
HK$42,139
baseline
▲ 0.50% · 4.625%
HK$44,703
+HK$2,564/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,278/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,113
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,296
−HK$1,200/mo
Today · 4.125%
HK$46,496
baseline
▲ 0.50% · 4.625%
HK$48,947
+HK$2,451/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,992/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,083 · 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).