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$22,045
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,730
−HK$697/mo
Today · 4.125%
HK$23,427
baseline
▲ 0.50% · 4.625%
HK$24,852
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,854/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,524
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,182
−HK$667/mo
Today · 4.125%
HK$25,849
baseline
▲ 0.50% · 4.625%
HK$27,212
+HK$1,363/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,698/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,453
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,276
−HK$836/mo
Today · 4.125%
HK$28,112
baseline
▲ 0.50% · 4.625%
HK$29,823
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,224/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,429
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,218
−HK$801/mo
Today · 4.125%
HK$31,019
baseline
▲ 0.50% · 4.625%
HK$32,654
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,038/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,862
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,822
−HK$976/mo
Today · 4.125%
HK$32,798
baseline
▲ 0.50% · 4.625%
HK$34,793
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,596/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,334
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,255
−HK$934/mo
Today · 4.125%
HK$36,189
baseline
▲ 0.50% · 4.625%
HK$38,097
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,378/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,680
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,914
−HK$1,254/mo
Today · 4.125%
HK$42,168
baseline
▲ 0.50% · 4.625%
HK$44,734
+HK$2,566/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,336/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,144
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,328
−HK$1,201/mo
Today · 4.125%
HK$46,529
baseline
▲ 0.50% · 4.625%
HK$48,981
+HK$2,452/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,058/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,757 · 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).