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$22,055
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,741
−HK$697/mo
Today · 4.125%
HK$23,438
baseline
▲ 0.50% · 4.625%
HK$24,864
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,876/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,536
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,194
−HK$668/mo
Today · 4.125%
HK$25,862
baseline
▲ 0.50% · 4.625%
HK$27,225
+HK$1,363/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,724/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,466
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,289
−HK$837/mo
Today · 4.125%
HK$28,126
baseline
▲ 0.50% · 4.625%
HK$29,837
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,252/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,443
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,233
−HK$801/mo
Today · 4.125%
HK$31,034
baseline
▲ 0.50% · 4.625%
HK$32,670
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,068/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,877
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,837
−HK$976/mo
Today · 4.125%
HK$32,813
baseline
▲ 0.50% · 4.625%
HK$34,810
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,626/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,350
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,272
−HK$934/mo
Today · 4.125%
HK$36,206
baseline
▲ 0.50% · 4.625%
HK$38,115
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,412/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,699
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,934
−HK$1,254/mo
Today · 4.125%
HK$42,188
baseline
▲ 0.50% · 4.625%
HK$44,756
+HK$2,568/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,376/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,165
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,349
−HK$1,202/mo
Today · 4.125%
HK$46,551
baseline
▲ 0.50% · 4.625%
HK$49,005
+HK$2,454/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,102/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,217 · 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).