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$22,033
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,718
−HK$696/mo
Today · 4.125%
HK$23,414
baseline
▲ 0.50% · 4.625%
HK$24,839
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,828/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,511
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,169
−HK$667/mo
Today · 4.125%
HK$25,836
baseline
▲ 0.50% · 4.625%
HK$27,197
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,672/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,439
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,262
−HK$835/mo
Today · 4.125%
HK$28,097
baseline
▲ 0.50% · 4.625%
HK$29,807
+HK$1,710/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$56,194/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,414
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,202
−HK$801/mo
Today · 4.125%
HK$31,003
baseline
▲ 0.50% · 4.625%
HK$32,637
+HK$1,634/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$62,006/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,846
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,805
−HK$975/mo
Today · 4.125%
HK$32,780
baseline
▲ 0.50% · 4.625%
HK$34,775
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,560/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,316
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,236
−HK$934/mo
Today · 4.125%
HK$36,170
baseline
▲ 0.50% · 4.625%
HK$38,076
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,340/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,659
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,893
−HK$1,253/mo
Today · 4.125%
HK$42,146
baseline
▲ 0.50% · 4.625%
HK$44,711
+HK$2,565/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$84,292/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,120
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,304
−HK$1,200/mo
Today · 4.125%
HK$46,504
baseline
▲ 0.50% · 4.625%
HK$48,955
+HK$2,451/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$93,008/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,244 · 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).