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$22,036
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,721
−HK$697/mo
Today · 4.125%
HK$23,418
baseline
▲ 0.50% · 4.625%
HK$24,842
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,836/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,514
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,172
−HK$667/mo
Today · 4.125%
HK$25,839
baseline
▲ 0.50% · 4.625%
HK$27,201
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,678/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,443
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,265
−HK$836/mo
Today · 4.125%
HK$28,101
baseline
▲ 0.50% · 4.625%
HK$29,811
+HK$1,710/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,202/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,417
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,206
−HK$801/mo
Today · 4.125%
HK$31,007
baseline
▲ 0.50% · 4.625%
HK$32,641
+HK$1,634/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,014/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,850
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,810
−HK$975/mo
Today · 4.125%
HK$32,785
baseline
▲ 0.50% · 4.625%
HK$34,779
+HK$1,994/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,570/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,320
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,241
−HK$933/mo
Today · 4.125%
HK$36,174
baseline
▲ 0.50% · 4.625%
HK$38,081
+HK$1,907/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,348/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,664
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,898
−HK$1,254/mo
Today · 4.125%
HK$42,152
baseline
▲ 0.50% · 4.625%
HK$44,716
+HK$2,564/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$84,304/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,126
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,309
−HK$1,201/mo
Today · 4.125%
HK$46,510
baseline
▲ 0.50% · 4.625%
HK$48,962
+HK$2,452/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$93,020/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,369 · 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).