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$22,052
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,738
−HK$697/mo
Today · 4.125%
HK$23,435
baseline
▲ 0.50% · 4.625%
HK$24,860
+HK$1,425/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,870/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,532
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,190
−HK$668/mo
Today · 4.125%
HK$25,858
baseline
▲ 0.50% · 4.625%
HK$27,221
+HK$1,363/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,716/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,462
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,285
−HK$836/mo
Today · 4.125%
HK$28,121
baseline
▲ 0.50% · 4.625%
HK$29,833
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,242/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,439
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,228
−HK$801/mo
Today · 4.125%
HK$31,029
baseline
▲ 0.50% · 4.625%
HK$32,665
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,058/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,872
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,833
−HK$975/mo
Today · 4.125%
HK$32,808
baseline
▲ 0.50% · 4.625%
HK$34,805
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,616/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,345
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,266
−HK$935/mo
Today · 4.125%
HK$36,201
baseline
▲ 0.50% · 4.625%
HK$38,109
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,402/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,693
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,928
−HK$1,254/mo
Today · 4.125%
HK$42,182
baseline
▲ 0.50% · 4.625%
HK$44,749
+HK$2,567/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,364/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,158
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,342
−HK$1,202/mo
Today · 4.125%
HK$46,544
baseline
▲ 0.50% · 4.625%
HK$48,997
+HK$2,453/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,088/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,072 · 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).