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$22,030
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,715
−HK$696/mo
Today · 4.125%
HK$23,411
baseline
▲ 0.50% · 4.625%
HK$24,836
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,822/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,508
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,165
−HK$667/mo
Today · 4.125%
HK$25,832
baseline
▲ 0.50% · 4.625%
HK$27,194
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,664/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,436
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,258
−HK$836/mo
Today · 4.125%
HK$28,094
baseline
▲ 0.50% · 4.625%
HK$29,803
+HK$1,709/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$56,188/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,410
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,198
−HK$800/mo
Today · 4.125%
HK$30,998
baseline
▲ 0.50% · 4.625%
HK$32,632
+HK$1,634/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$61,996/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,842
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,801
−HK$975/mo
Today · 4.125%
HK$32,776
baseline
▲ 0.50% · 4.625%
HK$34,770
+HK$1,994/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,552/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,311
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,231
−HK$934/mo
Today · 4.125%
HK$36,165
baseline
▲ 0.50% · 4.625%
HK$38,071
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,330/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,654
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,887
−HK$1,253/mo
Today · 4.125%
HK$42,140
baseline
▲ 0.50% · 4.625%
HK$44,704
+HK$2,564/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$84,280/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,114
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,297
−HK$1,201/mo
Today · 4.125%
HK$46,498
baseline
▲ 0.50% · 4.625%
HK$48,949
+HK$2,451/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$92,996/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,112 · 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).