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$22,003
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,687
−HK$696/mo
Today · 4.125%
HK$23,383
baseline
▲ 0.50% · 4.625%
HK$24,805
+HK$1,422/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$46,766/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,478
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,135
−HK$666/mo
Today · 4.125%
HK$25,801
baseline
▲ 0.50% · 4.625%
HK$27,160
+HK$1,359/mo
Deposit HK$4.82M · loan HK$4.82M · min. income ≈ HK$51,602/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$334,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,404
−HK$1,655/mo
▼ 0.25% · 3.875%
HK$27,225
−HK$834/mo
Today · 4.125%
HK$28,059
baseline
▲ 0.50% · 4.625%
HK$29,767
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,118/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,374
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,161
−HK$800/mo
Today · 4.125%
HK$30,961
baseline
▲ 0.50% · 4.625%
HK$32,593
+HK$1,632/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,922/mo (50% DSR)
Upfront cash ≈ HK$4.19M (deposit + AVD stamp duty HK$334,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,804
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,762
−HK$974/mo
Today · 4.125%
HK$32,736
baseline
▲ 0.50% · 4.625%
HK$34,728
+HK$1,992/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$65,472/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,269
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,188
−HK$933/mo
Today · 4.125%
HK$36,121
baseline
▲ 0.50% · 4.625%
HK$38,025
+HK$1,904/mo
Deposit HK$2.89M · loan HK$6.75M · min. income ≈ HK$72,242/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$334,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,605
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,837
−HK$1,252/mo
Today · 4.125%
HK$42,089
baseline
▲ 0.50% · 4.625%
HK$44,650
+HK$2,561/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$84,178/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,060
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,242
−HK$1,199/mo
Today · 4.125%
HK$46,441
baseline
▲ 0.50% · 4.625%
HK$48,889
+HK$2,448/mo
Deposit HK$965K · loan HK$8.68M · min. income ≈ HK$92,882/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$334,933 · 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).