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$22,012
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,697
−HK$695/mo
Today · 4.125%
HK$23,392
baseline
▲ 0.50% · 4.625%
HK$24,816
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,784/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,488
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,145
−HK$666/mo
Today · 4.125%
HK$25,811
baseline
▲ 0.50% · 4.625%
HK$27,171
+HK$1,360/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,622/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,414
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,236
−HK$835/mo
Today · 4.125%
HK$28,071
baseline
▲ 0.50% · 4.625%
HK$29,779
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,142/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,386
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,174
−HK$799/mo
Today · 4.125%
HK$30,973
baseline
▲ 0.50% · 4.625%
HK$32,606
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,946/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,817
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,775
−HK$974/mo
Today · 4.125%
HK$32,749
baseline
▲ 0.50% · 4.625%
HK$34,742
+HK$1,993/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,498/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,283
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,203
−HK$932/mo
Today · 4.125%
HK$36,135
baseline
▲ 0.50% · 4.625%
HK$38,040
+HK$1,905/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,270/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,621
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,854
−HK$1,252/mo
Today · 4.125%
HK$42,106
baseline
▲ 0.50% · 4.625%
HK$44,668
+HK$2,562/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$84,212/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,078
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,260
−HK$1,200/mo
Today · 4.125%
HK$46,460
baseline
▲ 0.50% · 4.625%
HK$48,909
+HK$2,449/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$92,920/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,322 · 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).