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$22,031
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,716
−HK$696/mo
Today · 4.125%
HK$23,412
baseline
▲ 0.50% · 4.625%
HK$24,837
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,824/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,509
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,166
−HK$667/mo
Today · 4.125%
HK$25,833
baseline
▲ 0.50% · 4.625%
HK$27,195
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,666/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,437
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,259
−HK$836/mo
Today · 4.125%
HK$28,095
baseline
▲ 0.50% · 4.625%
HK$29,804
+HK$1,709/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$56,190/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,411
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,200
−HK$800/mo
Today · 4.125%
HK$31,000
baseline
▲ 0.50% · 4.625%
HK$32,634
+HK$1,634/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$62,000/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,843
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,803
−HK$974/mo
Today · 4.125%
HK$32,777
baseline
▲ 0.50% · 4.625%
HK$34,772
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,554/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,313
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,233
−HK$934/mo
Today · 4.125%
HK$36,167
baseline
▲ 0.50% · 4.625%
HK$38,073
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,334/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,656
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,889
−HK$1,253/mo
Today · 4.125%
HK$42,142
baseline
▲ 0.50% · 4.625%
HK$44,707
+HK$2,565/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$84,284/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,116
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,300
−HK$1,200/mo
Today · 4.125%
HK$46,500
baseline
▲ 0.50% · 4.625%
HK$48,951
+HK$2,451/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$93,000/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,159 · 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).