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$22,013
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,698
−HK$695/mo
Today · 4.125%
HK$23,393
baseline
▲ 0.50% · 4.625%
HK$24,817
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,786/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,489
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,146
−HK$666/mo
Today · 4.125%
HK$25,812
baseline
▲ 0.50% · 4.625%
HK$27,173
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,624/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,416
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,237
−HK$835/mo
Today · 4.125%
HK$28,072
baseline
▲ 0.50% · 4.625%
HK$29,780
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,144/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,387
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,175
−HK$800/mo
Today · 4.125%
HK$30,975
baseline
▲ 0.50% · 4.625%
HK$32,607
+HK$1,632/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,950/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,818
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,777
−HK$974/mo
Today · 4.125%
HK$32,751
baseline
▲ 0.50% · 4.625%
HK$34,743
+HK$1,992/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,502/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,285
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,204
−HK$933/mo
Today · 4.125%
HK$36,137
baseline
▲ 0.50% · 4.625%
HK$38,042
+HK$1,905/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,274/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,623
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,856
−HK$1,252/mo
Today · 4.125%
HK$42,108
baseline
▲ 0.50% · 4.625%
HK$44,670
+HK$2,562/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$84,216/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,080
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,263
−HK$1,199/mo
Today · 4.125%
HK$46,462
baseline
▲ 0.50% · 4.625%
HK$48,911
+HK$2,449/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$92,924/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,371 · 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).