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$22,043
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,729
−HK$696/mo
Today · 4.125%
HK$23,425
baseline
▲ 0.50% · 4.625%
HK$24,851
+HK$1,426/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,850/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,522
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,180
−HK$667/mo
Today · 4.125%
HK$25,847
baseline
▲ 0.50% · 4.625%
HK$27,210
+HK$1,363/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,694/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,451
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,274
−HK$836/mo
Today · 4.125%
HK$28,110
baseline
▲ 0.50% · 4.625%
HK$29,821
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,220/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,427
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,216
−HK$801/mo
Today · 4.125%
HK$31,017
baseline
▲ 0.50% · 4.625%
HK$32,652
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,034/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,860
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,820
−HK$975/mo
Today · 4.125%
HK$32,795
baseline
▲ 0.50% · 4.625%
HK$34,791
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,590/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,331
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,252
−HK$934/mo
Today · 4.125%
HK$36,186
baseline
▲ 0.50% · 4.625%
HK$38,094
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,372/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,677
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,911
−HK$1,254/mo
Today · 4.125%
HK$42,165
baseline
▲ 0.50% · 4.625%
HK$44,731
+HK$2,566/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,330/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,140
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,324
−HK$1,201/mo
Today · 4.125%
HK$46,525
baseline
▲ 0.50% · 4.625%
HK$48,978
+HK$2,453/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,050/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,685 · 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).