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$22,049
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,735
−HK$697/mo
Today · 4.125%
HK$23,432
baseline
▲ 0.50% · 4.625%
HK$24,858
+HK$1,426/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,864/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,530
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,188
−HK$667/mo
Today · 4.125%
HK$25,855
baseline
▲ 0.50% · 4.625%
HK$27,218
+HK$1,363/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,710/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,459
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,282
−HK$836/mo
Today · 4.125%
HK$28,118
baseline
▲ 0.50% · 4.625%
HK$29,829
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,236/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,436
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,225
−HK$801/mo
Today · 4.125%
HK$31,026
baseline
▲ 0.50% · 4.625%
HK$32,661
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,052/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,869
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,829
−HK$976/mo
Today · 4.125%
HK$32,805
baseline
▲ 0.50% · 4.625%
HK$34,801
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,610/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,342
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,263
−HK$934/mo
Today · 4.125%
HK$36,197
baseline
▲ 0.50% · 4.625%
HK$38,105
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,394/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,689
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,923
−HK$1,255/mo
Today · 4.125%
HK$42,178
baseline
▲ 0.50% · 4.625%
HK$44,744
+HK$2,566/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,356/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,153
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,338
−HK$1,201/mo
Today · 4.125%
HK$46,539
baseline
▲ 0.50% · 4.625%
HK$48,992
+HK$2,453/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,078/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,969 · 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).