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$22,020
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,705
−HK$696/mo
Today · 4.125%
HK$23,401
baseline
▲ 0.50% · 4.625%
HK$24,825
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,802/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,498
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,155
−HK$666/mo
Today · 4.125%
HK$25,821
baseline
▲ 0.50% · 4.625%
HK$27,182
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,642/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,425
−HK$1,657/mo
▼ 0.25% · 3.875%
HK$27,247
−HK$835/mo
Today · 4.125%
HK$28,082
baseline
▲ 0.50% · 4.625%
HK$29,790
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,164/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,397
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,185
−HK$800/mo
Today · 4.125%
HK$30,985
baseline
▲ 0.50% · 4.625%
HK$32,619
+HK$1,634/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,970/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,829
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,788
−HK$974/mo
Today · 4.125%
HK$32,762
baseline
▲ 0.50% · 4.625%
HK$34,755
+HK$1,993/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,524/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,297
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,216
−HK$934/mo
Today · 4.125%
HK$36,150
baseline
▲ 0.50% · 4.625%
HK$38,055
+HK$1,905/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,300/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,637
−HK$2,485/mo
▼ 0.25% · 3.875%
HK$40,870
−HK$1,252/mo
Today · 4.125%
HK$42,122
baseline
▲ 0.50% · 4.625%
HK$44,686
+HK$2,564/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,244/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,096
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,278
−HK$1,200/mo
Today · 4.125%
HK$46,478
baseline
▲ 0.50% · 4.625%
HK$48,928
+HK$2,450/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,956/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,703 · 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).