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$22,050
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,736
−HK$697/mo
Today · 4.125%
HK$23,433
baseline
▲ 0.50% · 4.625%
HK$24,859
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,866/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,531
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,189
−HK$667/mo
Today · 4.125%
HK$25,856
baseline
▲ 0.50% · 4.625%
HK$27,219
+HK$1,363/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,712/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,460
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,284
−HK$836/mo
Today · 4.125%
HK$28,120
baseline
▲ 0.50% · 4.625%
HK$29,831
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,240/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,437
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,226
−HK$801/mo
Today · 4.125%
HK$31,027
baseline
▲ 0.50% · 4.625%
HK$32,663
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,054/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,871
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,831
−HK$975/mo
Today · 4.125%
HK$32,806
baseline
▲ 0.50% · 4.625%
HK$34,803
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,612/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,343
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,264
−HK$935/mo
Today · 4.125%
HK$36,199
baseline
▲ 0.50% · 4.625%
HK$38,107
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,398/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,691
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,925
−HK$1,255/mo
Today · 4.125%
HK$42,180
baseline
▲ 0.50% · 4.625%
HK$44,746
+HK$2,566/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,360/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,155
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,340
−HK$1,201/mo
Today · 4.125%
HK$46,541
baseline
▲ 0.50% · 4.625%
HK$48,994
+HK$2,453/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,082/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,014 · 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).