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$22,047
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,733
−HK$697/mo
Today · 4.125%
HK$23,430
baseline
▲ 0.50% · 4.625%
HK$24,855
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,860/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,527
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,185
−HK$667/mo
Today · 4.125%
HK$25,852
baseline
▲ 0.50% · 4.625%
HK$27,215
+HK$1,363/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,704/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,457
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,280
−HK$836/mo
Today · 4.125%
HK$28,116
baseline
▲ 0.50% · 4.625%
HK$29,826
+HK$1,710/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,232/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,433
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,222
−HK$801/mo
Today · 4.125%
HK$31,023
baseline
▲ 0.50% · 4.625%
HK$32,658
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,046/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,866
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,826
−HK$976/mo
Today · 4.125%
HK$32,802
baseline
▲ 0.50% · 4.625%
HK$34,798
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,604/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,338
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,259
−HK$934/mo
Today · 4.125%
HK$36,193
baseline
▲ 0.50% · 4.625%
HK$38,101
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,386/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,685
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,919
−HK$1,255/mo
Today · 4.125%
HK$42,174
baseline
▲ 0.50% · 4.625%
HK$44,740
+HK$2,566/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,348/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,149
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,333
−HK$1,201/mo
Today · 4.125%
HK$46,534
baseline
▲ 0.50% · 4.625%
HK$48,987
+HK$2,453/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,068/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,874 · 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).