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$22,013
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,697
−HK$696/mo
Today · 4.125%
HK$23,393
baseline
▲ 0.50% · 4.625%
HK$24,816
+HK$1,423/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,786/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,489
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,146
−HK$666/mo
Today · 4.125%
HK$25,812
baseline
▲ 0.50% · 4.625%
HK$27,172
+HK$1,360/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,624/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,415
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,237
−HK$835/mo
Today · 4.125%
HK$28,072
baseline
▲ 0.50% · 4.625%
HK$29,780
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,144/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,387
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,175
−HK$799/mo
Today · 4.125%
HK$30,974
baseline
▲ 0.50% · 4.625%
HK$32,607
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,948/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,818
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,776
−HK$974/mo
Today · 4.125%
HK$32,750
baseline
▲ 0.50% · 4.625%
HK$34,743
+HK$1,993/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,500/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,284
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,204
−HK$933/mo
Today · 4.125%
HK$36,137
baseline
▲ 0.50% · 4.625%
HK$38,041
+HK$1,904/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,274/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,623
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,855
−HK$1,252/mo
Today · 4.125%
HK$42,107
baseline
▲ 0.50% · 4.625%
HK$44,669
+HK$2,562/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$84,214/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,080
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,262
−HK$1,199/mo
Today · 4.125%
HK$46,461
baseline
▲ 0.50% · 4.625%
HK$48,910
+HK$2,449/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$92,922/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,356 · 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).