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$22,023
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,708
−HK$696/mo
Today · 4.125%
HK$23,404
baseline
▲ 0.50% · 4.625%
HK$24,828
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,808/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,500
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,157
−HK$667/mo
Today · 4.125%
HK$25,824
baseline
▲ 0.50% · 4.625%
HK$27,185
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,648/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,427
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,249
−HK$836/mo
Today · 4.125%
HK$28,085
baseline
▲ 0.50% · 4.625%
HK$29,794
+HK$1,709/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,170/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,400
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,189
−HK$800/mo
Today · 4.125%
HK$30,989
baseline
▲ 0.50% · 4.625%
HK$32,622
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,978/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,832
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,791
−HK$974/mo
Today · 4.125%
HK$32,765
baseline
▲ 0.50% · 4.625%
HK$34,759
+HK$1,994/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,530/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,300
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,220
−HK$933/mo
Today · 4.125%
HK$36,153
baseline
▲ 0.50% · 4.625%
HK$38,059
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,306/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,641
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,874
−HK$1,253/mo
Today · 4.125%
HK$42,127
baseline
▲ 0.50% · 4.625%
HK$44,690
+HK$2,563/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,254/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,100
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,283
−HK$1,200/mo
Today · 4.125%
HK$46,483
baseline
▲ 0.50% · 4.625%
HK$48,933
+HK$2,450/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,966/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,806 · 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).