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$22,019
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,703
−HK$696/mo
Today · 4.125%
HK$23,399
baseline
▲ 0.50% · 4.625%
HK$24,823
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,798/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,495
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,152
−HK$667/mo
Today · 4.125%
HK$25,819
baseline
▲ 0.50% · 4.625%
HK$27,180
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,638/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,422
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,244
−HK$835/mo
Today · 4.125%
HK$28,079
baseline
▲ 0.50% · 4.625%
HK$29,788
+HK$1,709/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,158/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,394
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,183
−HK$800/mo
Today · 4.125%
HK$30,983
baseline
▲ 0.50% · 4.625%
HK$32,616
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,966/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,826
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,785
−HK$974/mo
Today · 4.125%
HK$32,759
baseline
▲ 0.50% · 4.625%
HK$34,752
+HK$1,993/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,518/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,294
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,213
−HK$933/mo
Today · 4.125%
HK$36,146
baseline
▲ 0.50% · 4.625%
HK$38,052
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,292/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,633
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,866
−HK$1,253/mo
Today · 4.125%
HK$42,119
baseline
▲ 0.50% · 4.625%
HK$44,682
+HK$2,563/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,238/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,092
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,274
−HK$1,200/mo
Today · 4.125%
HK$46,474
baseline
▲ 0.50% · 4.625%
HK$48,924
+HK$2,450/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,948/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,617 · 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).