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$22,014
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,699
−HK$695/mo
Today · 4.125%
HK$23,394
baseline
▲ 0.50% · 4.625%
HK$24,818
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,788/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,490
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,147
−HK$666/mo
Today · 4.125%
HK$25,813
baseline
▲ 0.50% · 4.625%
HK$27,174
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,626/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,417
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,238
−HK$835/mo
Today · 4.125%
HK$28,073
baseline
▲ 0.50% · 4.625%
HK$29,782
+HK$1,709/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,146/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,388
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,177
−HK$799/mo
Today · 4.125%
HK$30,976
baseline
▲ 0.50% · 4.625%
HK$32,609
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,952/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,820
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,778
−HK$974/mo
Today · 4.125%
HK$32,752
baseline
▲ 0.50% · 4.625%
HK$34,745
+HK$1,993/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,504/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,286
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,206
−HK$933/mo
Today · 4.125%
HK$36,139
baseline
▲ 0.50% · 4.625%
HK$38,044
+HK$1,905/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,278/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,625
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,858
−HK$1,252/mo
Today · 4.125%
HK$42,110
baseline
▲ 0.50% · 4.625%
HK$44,672
+HK$2,562/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$84,220/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,083
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,265
−HK$1,199/mo
Today · 4.125%
HK$46,464
baseline
▲ 0.50% · 4.625%
HK$48,913
+HK$2,449/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$92,928/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,417 · 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).