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$22,068
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,755
−HK$697/mo
Today · 4.125%
HK$23,452
baseline
▲ 0.50% · 4.625%
HK$24,879
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,904/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,551
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,209
−HK$668/mo
Today · 4.125%
HK$25,877
baseline
▲ 0.50% · 4.625%
HK$27,241
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,754/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,482
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,305
−HK$837/mo
Today · 4.125%
HK$28,142
baseline
▲ 0.50% · 4.625%
HK$29,855
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,284/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,461
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,251
−HK$801/mo
Today · 4.125%
HK$31,052
baseline
▲ 0.50% · 4.625%
HK$32,689
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,104/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,895
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,856
−HK$977/mo
Today · 4.125%
HK$32,833
baseline
▲ 0.50% · 4.625%
HK$34,830
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,666/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,371
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,293
−HK$935/mo
Today · 4.125%
HK$36,228
baseline
▲ 0.50% · 4.625%
HK$38,137
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,456/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,723
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,958
−HK$1,255/mo
Today · 4.125%
HK$42,213
baseline
▲ 0.50% · 4.625%
HK$44,782
+HK$2,569/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,426/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,191
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,376
−HK$1,202/mo
Today · 4.125%
HK$46,578
baseline
▲ 0.50% · 4.625%
HK$49,034
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,156/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,789 · 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).