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$22,052
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,738
−HK$697/mo
Today · 4.125%
HK$23,435
baseline
▲ 0.50% · 4.625%
HK$24,861
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,870/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,533
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,191
−HK$667/mo
Today · 4.125%
HK$25,858
baseline
▲ 0.50% · 4.625%
HK$27,221
+HK$1,363/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,716/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,463
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,286
−HK$836/mo
Today · 4.125%
HK$28,122
baseline
▲ 0.50% · 4.625%
HK$29,833
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,244/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,439
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,229
−HK$801/mo
Today · 4.125%
HK$31,030
baseline
▲ 0.50% · 4.625%
HK$32,665
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,060/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,873
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,833
−HK$976/mo
Today · 4.125%
HK$32,809
baseline
▲ 0.50% · 4.625%
HK$34,805
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,618/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,346
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,267
−HK$934/mo
Today · 4.125%
HK$36,201
baseline
▲ 0.50% · 4.625%
HK$38,110
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,402/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,694
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,929
−HK$1,254/mo
Today · 4.125%
HK$42,183
baseline
▲ 0.50% · 4.625%
HK$44,750
+HK$2,567/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,366/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,159
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,343
−HK$1,202/mo
Today · 4.125%
HK$46,545
baseline
▲ 0.50% · 4.625%
HK$48,998
+HK$2,453/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,090/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,090 · 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).