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$1,381/mo
▼ 0.25% · 3.875%
HK$22,698
−HK$696/mo
Today · 4.125%
HK$23,394
baseline
▲ 0.50% · 4.625%
HK$24,817
+HK$1,423/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,788/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,489
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,146
−HK$667/mo
Today · 4.125%
HK$25,813
baseline
▲ 0.50% · 4.625%
HK$27,173
+HK$1,360/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,626/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,416
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,238
−HK$834/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$335,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,387
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,176
−HK$799/mo
Today · 4.125%
HK$30,975
baseline
▲ 0.50% · 4.625%
HK$32,608
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,950/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,818
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,777
−HK$974/mo
Today · 4.125%
HK$32,751
baseline
▲ 0.50% · 4.625%
HK$34,744
+HK$1,993/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,502/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,285
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,205
−HK$933/mo
Today · 4.125%
HK$36,138
baseline
▲ 0.50% · 4.625%
HK$38,042
+HK$1,904/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,276/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,624
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,856
−HK$1,253/mo
Today · 4.125%
HK$42,109
baseline
▲ 0.50% · 4.625%
HK$44,671
+HK$2,562/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$84,218/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,081
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,263
−HK$1,200/mo
Today · 4.125%
HK$46,463
baseline
▲ 0.50% · 4.625%
HK$48,912
+HK$2,449/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$92,926/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,384 · 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).