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$22,017
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,702
−HK$695/mo
Today · 4.125%
HK$23,397
baseline
▲ 0.50% · 4.625%
HK$24,821
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,794/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,493
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,150
−HK$667/mo
Today · 4.125%
HK$25,817
baseline
▲ 0.50% · 4.625%
HK$27,178
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,634/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,420
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,242
−HK$835/mo
Today · 4.125%
HK$28,077
baseline
▲ 0.50% · 4.625%
HK$29,785
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,154/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,392
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,180
−HK$800/mo
Today · 4.125%
HK$30,980
baseline
▲ 0.50% · 4.625%
HK$32,613
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,960/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,823
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,782
−HK$974/mo
Today · 4.125%
HK$32,756
baseline
▲ 0.50% · 4.625%
HK$34,749
+HK$1,993/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,512/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,291
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,210
−HK$933/mo
Today · 4.125%
HK$36,143
baseline
▲ 0.50% · 4.625%
HK$38,049
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,286/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,630
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,863
−HK$1,252/mo
Today · 4.125%
HK$42,115
baseline
▲ 0.50% · 4.625%
HK$44,678
+HK$2,563/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,230/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,088
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,271
−HK$1,199/mo
Today · 4.125%
HK$46,470
baseline
▲ 0.50% · 4.625%
HK$48,920
+HK$2,450/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,940/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,538 · 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).