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$22,045
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$22,731
−HK$696/mo
Today · 4.125%
HK$23,427
baseline
▲ 0.50% · 4.625%
HK$24,853
+HK$1,426/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,854/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,525
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,182
−HK$668/mo
Today · 4.125%
HK$25,850
baseline
▲ 0.50% · 4.625%
HK$27,212
+HK$1,362/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,700/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$336,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,454
−HK$1,659/mo
▼ 0.25% · 3.875%
HK$27,277
−HK$836/mo
Today · 4.125%
HK$28,113
baseline
▲ 0.50% · 4.625%
HK$29,823
+HK$1,710/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,226/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,430
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,219
−HK$801/mo
Today · 4.125%
HK$31,020
baseline
▲ 0.50% · 4.625%
HK$32,655
+HK$1,635/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,040/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$336,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,863
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,823
−HK$975/mo
Today · 4.125%
HK$32,798
baseline
▲ 0.50% · 4.625%
HK$34,794
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,596/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,334
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,255
−HK$934/mo
Today · 4.125%
HK$36,189
baseline
▲ 0.50% · 4.625%
HK$38,097
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,378/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$336,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,681
−HK$2,488/mo
▼ 0.25% · 3.875%
HK$40,915
−HK$1,254/mo
Today · 4.125%
HK$42,169
baseline
▲ 0.50% · 4.625%
HK$44,735
+HK$2,566/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$84,338/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,144
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$45,328
−HK$1,201/mo
Today · 4.125%
HK$46,529
baseline
▲ 0.50% · 4.625%
HK$48,982
+HK$2,453/mo
Deposit HK$967K · loan HK$8.70M · min. income ≈ HK$93,058/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$336,770 · 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).