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$22,016
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,701
−HK$696/mo
Today · 4.125%
HK$23,397
baseline
▲ 0.50% · 4.625%
HK$24,820
+HK$1,423/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,794/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,493
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,150
−HK$666/mo
Today · 4.125%
HK$25,816
baseline
▲ 0.50% · 4.625%
HK$27,177
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,632/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,419
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,241
−HK$835/mo
Today · 4.125%
HK$28,076
baseline
▲ 0.50% · 4.625%
HK$29,784
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,152/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,391
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,180
−HK$799/mo
Today · 4.125%
HK$30,979
baseline
▲ 0.50% · 4.625%
HK$32,612
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,958/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,823
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,781
−HK$974/mo
Today · 4.125%
HK$32,755
baseline
▲ 0.50% · 4.625%
HK$34,749
+HK$1,994/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,510/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,290
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$35,210
−HK$932/mo
Today · 4.125%
HK$36,142
baseline
▲ 0.50% · 4.625%
HK$38,048
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,284/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,629
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,862
−HK$1,252/mo
Today · 4.125%
HK$42,114
baseline
▲ 0.50% · 4.625%
HK$44,677
+HK$2,563/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,228/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,087
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,269
−HK$1,200/mo
Today · 4.125%
HK$46,469
baseline
▲ 0.50% · 4.625%
HK$48,918
+HK$2,449/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,938/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,513 · 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).