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$22,038
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,724
−HK$696/mo
Today · 4.125%
HK$23,420
baseline
▲ 0.50% · 4.625%
HK$24,845
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,840/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,517
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,175
−HK$667/mo
Today · 4.125%
HK$25,842
baseline
▲ 0.50% · 4.625%
HK$27,204
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,684/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,446
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,269
−HK$835/mo
Today · 4.125%
HK$28,104
baseline
▲ 0.50% · 4.625%
HK$29,814
+HK$1,710/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,208/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,421
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,210
−HK$800/mo
Today · 4.125%
HK$31,010
baseline
▲ 0.50% · 4.625%
HK$32,645
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,020/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,854
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,813
−HK$975/mo
Today · 4.125%
HK$32,788
baseline
▲ 0.50% · 4.625%
HK$34,783
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,576/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,324
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,245
−HK$934/mo
Today · 4.125%
HK$36,179
baseline
▲ 0.50% · 4.625%
HK$38,086
+HK$1,907/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,358/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,669
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,903
−HK$1,253/mo
Today · 4.125%
HK$42,156
baseline
▲ 0.50% · 4.625%
HK$44,722
+HK$2,566/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$84,312/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,131
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,315
−HK$1,200/mo
Today · 4.125%
HK$46,515
baseline
▲ 0.50% · 4.625%
HK$48,967
+HK$2,452/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$93,030/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,482 · 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).