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$22,036
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,722
−HK$696/mo
Today · 4.125%
HK$23,418
baseline
▲ 0.50% · 4.625%
HK$24,843
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,836/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,515
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,173
−HK$666/mo
Today · 4.125%
HK$25,839
baseline
▲ 0.50% · 4.625%
HK$27,202
+HK$1,363/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,678/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,443
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,266
−HK$836/mo
Today · 4.125%
HK$28,102
baseline
▲ 0.50% · 4.625%
HK$29,812
+HK$1,710/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,204/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,418
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,207
−HK$800/mo
Today · 4.125%
HK$31,007
baseline
▲ 0.50% · 4.625%
HK$32,642
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,014/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,851
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,810
−HK$975/mo
Today · 4.125%
HK$32,785
baseline
▲ 0.50% · 4.625%
HK$34,780
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,570/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,321
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,242
−HK$933/mo
Today · 4.125%
HK$36,175
baseline
▲ 0.50% · 4.625%
HK$38,082
+HK$1,907/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,350/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,665
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,899
−HK$1,253/mo
Today · 4.125%
HK$42,152
baseline
▲ 0.50% · 4.625%
HK$44,717
+HK$2,565/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$84,304/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,127
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,311
−HK$1,200/mo
Today · 4.125%
HK$46,511
baseline
▲ 0.50% · 4.625%
HK$48,963
+HK$2,452/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$93,022/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,391 · 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).