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$22,026
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,711
−HK$696/mo
Today · 4.125%
HK$23,407
baseline
▲ 0.50% · 4.625%
HK$24,831
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,814/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$335,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,504
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,161
−HK$666/mo
Today · 4.125%
HK$25,827
baseline
▲ 0.50% · 4.625%
HK$27,189
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,654/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$335,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,431
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,253
−HK$835/mo
Today · 4.125%
HK$28,088
baseline
▲ 0.50% · 4.625%
HK$29,798
+HK$1,710/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$56,176/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,404
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,193
−HK$800/mo
Today · 4.125%
HK$30,993
baseline
▲ 0.50% · 4.625%
HK$32,627
+HK$1,634/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$61,986/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,836
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,795
−HK$975/mo
Today · 4.125%
HK$32,770
baseline
▲ 0.50% · 4.625%
HK$34,764
+HK$1,994/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,540/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,305
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,225
−HK$933/mo
Today · 4.125%
HK$36,158
baseline
▲ 0.50% · 4.625%
HK$38,064
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,316/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,647
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,880
−HK$1,253/mo
Today · 4.125%
HK$42,133
baseline
▲ 0.50% · 4.625%
HK$44,696
+HK$2,563/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,266/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,106
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$45,289
−HK$1,200/mo
Today · 4.125%
HK$46,489
baseline
▲ 0.50% · 4.625%
HK$48,940
+HK$2,451/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,978/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,938 · 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).