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$22,032
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,717
−HK$696/mo
Today · 4.125%
HK$23,413
baseline
▲ 0.50% · 4.625%
HK$24,838
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,826/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,510
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,167
−HK$667/mo
Today · 4.125%
HK$25,834
baseline
▲ 0.50% · 4.625%
HK$27,196
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,668/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,438
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,260
−HK$836/mo
Today · 4.125%
HK$28,096
baseline
▲ 0.50% · 4.625%
HK$29,806
+HK$1,710/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$56,192/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,412
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,201
−HK$800/mo
Today · 4.125%
HK$31,001
baseline
▲ 0.50% · 4.625%
HK$32,635
+HK$1,634/mo
Deposit HK$3.86M · loan HK$5.80M · min. income ≈ HK$62,002/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,844
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,804
−HK$975/mo
Today · 4.125%
HK$32,779
baseline
▲ 0.50% · 4.625%
HK$34,773
+HK$1,994/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,558/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,314
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,234
−HK$934/mo
Today · 4.125%
HK$36,168
baseline
▲ 0.50% · 4.625%
HK$38,074
+HK$1,906/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,336/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$336,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,657
−HK$2,487/mo
▼ 0.25% · 3.875%
HK$40,891
−HK$1,253/mo
Today · 4.125%
HK$42,144
baseline
▲ 0.50% · 4.625%
HK$44,708
+HK$2,564/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$84,288/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,118
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$45,301
−HK$1,201/mo
Today · 4.125%
HK$46,502
baseline
▲ 0.50% · 4.625%
HK$48,953
+HK$2,451/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$93,004/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,195 · 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).