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$22,016
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,700
−HK$696/mo
Today · 4.125%
HK$23,396
baseline
▲ 0.50% · 4.625%
HK$24,820
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,792/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,492
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,149
−HK$666/mo
Today · 4.125%
HK$25,815
baseline
▲ 0.50% · 4.625%
HK$27,176
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,630/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,419
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,241
−HK$834/mo
Today · 4.125%
HK$28,075
baseline
▲ 0.50% · 4.625%
HK$29,784
+HK$1,709/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,150/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,391
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,179
−HK$800/mo
Today · 4.125%
HK$30,979
baseline
▲ 0.50% · 4.625%
HK$32,611
+HK$1,632/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,958/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,822
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,781
−HK$974/mo
Today · 4.125%
HK$32,755
baseline
▲ 0.50% · 4.625%
HK$34,748
+HK$1,993/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,510/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,289
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,209
−HK$933/mo
Today · 4.125%
HK$36,142
baseline
▲ 0.50% · 4.625%
HK$38,047
+HK$1,905/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,284/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,628
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,861
−HK$1,252/mo
Today · 4.125%
HK$42,113
baseline
▲ 0.50% · 4.625%
HK$44,676
+HK$2,563/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$84,226/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,086
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,268
−HK$1,200/mo
Today · 4.125%
HK$46,468
baseline
▲ 0.50% · 4.625%
HK$48,917
+HK$2,449/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$92,936/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,491 · 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).