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$22,040
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,726
−HK$696/mo
Today · 4.125%
HK$23,422
baseline
▲ 0.50% · 4.625%
HK$24,847
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,844/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,519
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,177
−HK$667/mo
Today · 4.125%
HK$25,844
baseline
▲ 0.50% · 4.625%
HK$27,206
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,688/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,448
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,271
−HK$836/mo
Today · 4.125%
HK$28,107
baseline
▲ 0.50% · 4.625%
HK$29,817
+HK$1,710/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,214/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,423
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,212
−HK$801/mo
Today · 4.125%
HK$31,013
baseline
▲ 0.50% · 4.625%
HK$32,648
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,026/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,856
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,816
−HK$975/mo
Today · 4.125%
HK$32,791
baseline
▲ 0.50% · 4.625%
HK$34,786
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,582/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,327
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,248
−HK$934/mo
Today · 4.125%
HK$36,182
baseline
▲ 0.50% · 4.625%
HK$38,089
+HK$1,907/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,364/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,672
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,906
−HK$1,254/mo
Today · 4.125%
HK$42,160
baseline
▲ 0.50% · 4.625%
HK$44,725
+HK$2,565/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,320/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,135
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,319
−HK$1,201/mo
Today · 4.125%
HK$46,520
baseline
▲ 0.50% · 4.625%
HK$48,972
+HK$2,452/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,040/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,566 · 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).