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$22,055
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,741
−HK$697/mo
Today · 4.125%
HK$23,438
baseline
▲ 0.50% · 4.625%
HK$24,864
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,876/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,536
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,194
−HK$667/mo
Today · 4.125%
HK$25,861
baseline
▲ 0.50% · 4.625%
HK$27,224
+HK$1,363/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,722/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,466
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,289
−HK$836/mo
Today · 4.125%
HK$28,125
baseline
▲ 0.50% · 4.625%
HK$29,837
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,250/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,443
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,232
−HK$801/mo
Today · 4.125%
HK$31,033
baseline
▲ 0.50% · 4.625%
HK$32,669
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,066/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,877
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,837
−HK$976/mo
Today · 4.125%
HK$32,813
baseline
▲ 0.50% · 4.625%
HK$34,809
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,626/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,350
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,271
−HK$935/mo
Today · 4.125%
HK$36,206
baseline
▲ 0.50% · 4.625%
HK$38,114
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,412/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,698
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,933
−HK$1,255/mo
Today · 4.125%
HK$42,188
baseline
▲ 0.50% · 4.625%
HK$44,755
+HK$2,567/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,376/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,203 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,164
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,349
−HK$1,201/mo
Today · 4.125%
HK$46,550
baseline
▲ 0.50% · 4.625%
HK$49,004
+HK$2,454/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,100/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,203 · 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).