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$22,037
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,723
−HK$696/mo
Today · 4.125%
HK$23,419
baseline
▲ 0.50% · 4.625%
HK$24,844
+HK$1,425/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,838/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,516
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,174
−HK$667/mo
Today · 4.125%
HK$25,841
baseline
▲ 0.50% · 4.625%
HK$27,203
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,682/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,445
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,267
−HK$836/mo
Today · 4.125%
HK$28,103
baseline
▲ 0.50% · 4.625%
HK$29,813
+HK$1,710/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,206/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,420
−HK$1,589/mo
▼ 0.25% · 3.875%
HK$30,209
−HK$800/mo
Today · 4.125%
HK$31,009
baseline
▲ 0.50% · 4.625%
HK$32,644
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,018/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,852
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,812
−HK$975/mo
Today · 4.125%
HK$32,787
baseline
▲ 0.50% · 4.625%
HK$34,782
+HK$1,995/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,574/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,323
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,243
−HK$934/mo
Today · 4.125%
HK$36,177
baseline
▲ 0.50% · 4.625%
HK$38,084
+HK$1,907/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,354/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,667
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,901
−HK$1,254/mo
Today · 4.125%
HK$42,155
baseline
▲ 0.50% · 4.625%
HK$44,720
+HK$2,565/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$84,310/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,129
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,313
−HK$1,201/mo
Today · 4.125%
HK$46,514
baseline
▲ 0.50% · 4.625%
HK$48,965
+HK$2,451/mo
Deposit HK$966K · loan HK$8.70M · min. income ≈ HK$93,028/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,444 · 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).