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$22,021
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$22,706
−HK$696/mo
Today · 4.125%
HK$23,402
baseline
▲ 0.50% · 4.625%
HK$24,826
+HK$1,424/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,804/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,498
−HK$1,324/mo
▼ 0.25% · 3.875%
HK$25,155
−HK$667/mo
Today · 4.125%
HK$25,822
baseline
▲ 0.50% · 4.625%
HK$27,183
+HK$1,361/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,644/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,425
−HK$1,658/mo
▼ 0.25% · 3.875%
HK$27,247
−HK$836/mo
Today · 4.125%
HK$28,083
baseline
▲ 0.50% · 4.625%
HK$29,791
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,166/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,398
−HK$1,588/mo
▼ 0.25% · 3.875%
HK$30,186
−HK$800/mo
Today · 4.125%
HK$30,986
baseline
▲ 0.50% · 4.625%
HK$32,620
+HK$1,634/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,972/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,830
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,789
−HK$974/mo
Today · 4.125%
HK$32,763
baseline
▲ 0.50% · 4.625%
HK$34,757
+HK$1,994/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,526/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,298
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,218
−HK$933/mo
Today · 4.125%
HK$36,151
baseline
▲ 0.50% · 4.625%
HK$38,056
+HK$1,905/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,302/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,638
−HK$2,486/mo
▼ 0.25% · 3.875%
HK$40,871
−HK$1,253/mo
Today · 4.125%
HK$42,124
baseline
▲ 0.50% · 4.625%
HK$44,687
+HK$2,563/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$84,248/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,097
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$45,280
−HK$1,199/mo
Today · 4.125%
HK$46,479
baseline
▲ 0.50% · 4.625%
HK$48,929
+HK$2,450/mo
Deposit HK$966K · loan HK$8.69M · min. income ≈ HK$92,958/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,733 · 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).