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$22,008
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$22,692
−HK$696/mo
Today · 4.125%
HK$23,388
baseline
▲ 0.50% · 4.625%
HK$24,811
+HK$1,423/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$46,776/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,483
−HK$1,323/mo
▼ 0.25% · 3.875%
HK$25,140
−HK$666/mo
Today · 4.125%
HK$25,806
baseline
▲ 0.50% · 4.625%
HK$27,166
+HK$1,360/mo
Deposit HK$4.83M · loan HK$4.83M · min. income ≈ HK$51,612/mo (50% DSR)
Upfront cash ≈ HK$5.16M (deposit + AVD stamp duty HK$335,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,409
−HK$1,656/mo
▼ 0.25% · 3.875%
HK$27,231
−HK$834/mo
Today · 4.125%
HK$28,065
baseline
▲ 0.50% · 4.625%
HK$29,773
+HK$1,708/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$56,130/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,380
−HK$1,587/mo
▼ 0.25% · 3.875%
HK$30,168
−HK$799/mo
Today · 4.125%
HK$30,967
baseline
▲ 0.50% · 4.625%
HK$32,600
+HK$1,633/mo
Deposit HK$3.86M · loan HK$5.79M · min. income ≈ HK$61,934/mo (50% DSR)
Upfront cash ≈ HK$4.20M (deposit + AVD stamp duty HK$335,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,811
−HK$1,932/mo
▼ 0.25% · 3.875%
HK$31,769
−HK$974/mo
Today · 4.125%
HK$32,743
baseline
▲ 0.50% · 4.625%
HK$34,735
+HK$1,992/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$65,486/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,277
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$35,196
−HK$932/mo
Today · 4.125%
HK$36,128
baseline
▲ 0.50% · 4.625%
HK$38,033
+HK$1,905/mo
Deposit HK$2.90M · loan HK$6.76M · min. income ≈ HK$72,256/mo (50% DSR)
Upfront cash ≈ HK$3.23M (deposit + AVD stamp duty HK$335,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,614
−HK$2,484/mo
▼ 0.25% · 3.875%
HK$40,846
−HK$1,252/mo
Today · 4.125%
HK$42,098
baseline
▲ 0.50% · 4.625%
HK$44,659
+HK$2,561/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$84,196/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,070
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$45,252
−HK$1,199/mo
Today · 4.125%
HK$46,451
baseline
▲ 0.50% · 4.625%
HK$48,899
+HK$2,448/mo
Deposit HK$965K · loan HK$8.69M · min. income ≈ HK$92,902/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$335,139 · 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).