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$22,037
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,722
−HK$697/mo
Today · 4.125%
HK$23,419
baseline
▲ 0.50% · 4.625%
HK$24,844
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,838/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,516
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,173
−HK$667/mo
Today · 4.125%
HK$25,840
baseline
▲ 0.50% · 4.625%
HK$27,203
+HK$1,363/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,680/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,444
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,267
−HK$836/mo
Today · 4.125%
HK$28,103
baseline
▲ 0.50% · 4.625%
HK$29,813
+HK$1,710/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,206/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,419
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,208
−HK$801/mo
Today · 4.125%
HK$31,009
baseline
▲ 0.50% · 4.625%
HK$32,643
+HK$1,634/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,018/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,852
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,811
−HK$976/mo
Today · 4.125%
HK$32,787
baseline
▲ 0.50% · 4.625%
HK$34,781
+HK$1,994/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,574/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,322
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,243
−HK$934/mo
Today · 4.125%
HK$36,177
baseline
▲ 0.50% · 4.625%
HK$38,084
+HK$1,907/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,354/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,667
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,900
−HK$1,254/mo
Today · 4.125%
HK$42,154
baseline
▲ 0.50% · 4.625%
HK$44,719
+HK$2,565/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$84,308/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,129
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,312
−HK$1,201/mo
Today · 4.125%
HK$46,513
baseline
▲ 0.50% · 4.625%
HK$48,965
+HK$2,452/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$93,026/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,428 · 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).