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$22,046
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,732
−HK$696/mo
Today · 4.125%
HK$23,428
baseline
▲ 0.50% · 4.625%
HK$24,854
+HK$1,426/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,856/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,526
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,184
−HK$667/mo
Today · 4.125%
HK$25,851
baseline
▲ 0.50% · 4.625%
HK$27,214
+HK$1,363/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,702/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,455
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,278
−HK$836/mo
Today · 4.125%
HK$28,114
baseline
▲ 0.50% · 4.625%
HK$29,825
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,228/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,431
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,220
−HK$801/mo
Today · 4.125%
HK$31,021
baseline
▲ 0.50% · 4.625%
HK$32,656
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,042/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,864
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,824
−HK$976/mo
Today · 4.125%
HK$32,800
baseline
▲ 0.50% · 4.625%
HK$34,796
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,600/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,336
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,257
−HK$934/mo
Today · 4.125%
HK$36,191
baseline
▲ 0.50% · 4.625%
HK$38,099
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,382/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,683
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,917
−HK$1,254/mo
Today · 4.125%
HK$42,171
baseline
▲ 0.50% · 4.625%
HK$44,737
+HK$2,566/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,342/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,147
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,331
−HK$1,201/mo
Today · 4.125%
HK$46,532
baseline
▲ 0.50% · 4.625%
HK$48,984
+HK$2,452/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,064/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,818 · 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).