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$22,034
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,719
−HK$696/mo
Today · 4.125%
HK$23,415
baseline
▲ 0.50% · 4.625%
HK$24,840
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,830/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,512
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,170
−HK$666/mo
Today · 4.125%
HK$25,836
baseline
▲ 0.50% · 4.625%
HK$27,198
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,672/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,440
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,263
−HK$835/mo
Today · 4.125%
HK$28,098
baseline
▲ 0.50% · 4.625%
HK$29,808
+HK$1,710/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,196/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,415
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,203
−HK$801/mo
Today · 4.125%
HK$31,004
baseline
▲ 0.50% · 4.625%
HK$32,638
+HK$1,634/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,008/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,847
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,807
−HK$974/mo
Today · 4.125%
HK$32,781
baseline
▲ 0.50% · 4.625%
HK$34,776
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,562/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,317
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,237
−HK$934/mo
Today · 4.125%
HK$36,171
baseline
▲ 0.50% · 4.625%
HK$38,078
+HK$1,907/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,342/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,660
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,894
−HK$1,254/mo
Today · 4.125%
HK$42,148
baseline
▲ 0.50% · 4.625%
HK$44,712
+HK$2,564/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$84,296/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,122
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,305
−HK$1,201/mo
Today · 4.125%
HK$46,506
baseline
▲ 0.50% · 4.625%
HK$48,957
+HK$2,451/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$93,012/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,277 · 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).