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$22,020
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,705
−HK$695/mo
Today · 4.125%
HK$23,400
baseline
▲ 0.50% · 4.625%
HK$24,824
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,800/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,497
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,154
−HK$666/mo
Today · 4.125%
HK$25,820
baseline
▲ 0.50% · 4.625%
HK$27,181
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,640/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,424
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,245
−HK$836/mo
Today · 4.125%
HK$28,081
baseline
▲ 0.50% · 4.625%
HK$29,789
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,162/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,396
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,184
−HK$800/mo
Today · 4.125%
HK$30,984
baseline
▲ 0.50% · 4.625%
HK$32,617
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,968/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,827
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,786
−HK$975/mo
Today · 4.125%
HK$32,761
baseline
▲ 0.50% · 4.625%
HK$34,754
+HK$1,993/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,522/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,295
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,215
−HK$933/mo
Today · 4.125%
HK$36,148
baseline
▲ 0.50% · 4.625%
HK$38,054
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,296/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,635
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,868
−HK$1,253/mo
Today · 4.125%
HK$42,121
baseline
▲ 0.50% · 4.625%
HK$44,684
+HK$2,563/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,242/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,094
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,276
−HK$1,200/mo
Today · 4.125%
HK$46,476
baseline
▲ 0.50% · 4.625%
HK$48,926
+HK$2,450/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,952/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,664 · 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).