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$22,083
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,770
−HK$697/mo
Today · 4.125%
HK$23,467
baseline
▲ 0.50% · 4.625%
HK$24,895
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,934/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,567
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,226
−HK$668/mo
Today · 4.125%
HK$25,894
baseline
▲ 0.50% · 4.625%
HK$27,259
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,788/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,499
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,323
−HK$838/mo
Today · 4.125%
HK$28,161
baseline
▲ 0.50% · 4.625%
HK$29,874
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,322/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,480
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,271
−HK$802/mo
Today · 4.125%
HK$31,073
baseline
▲ 0.50% · 4.625%
HK$32,711
+HK$1,638/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,146/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,916
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,877
−HK$977/mo
Today · 4.125%
HK$32,854
baseline
▲ 0.50% · 4.625%
HK$34,853
+HK$1,999/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,708/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,393
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,316
−HK$936/mo
Today · 4.125%
HK$36,252
baseline
▲ 0.50% · 4.625%
HK$38,162
+HK$1,910/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,504/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,749
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,985
−HK$1,256/mo
Today · 4.125%
HK$42,241
baseline
▲ 0.50% · 4.625%
HK$44,812
+HK$2,571/mo
Deposit HK$968K · loan HK$8.72M · min. income ≈ HK$84,482/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,220
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,406
−HK$1,203/mo
Today · 4.125%
HK$46,609
baseline
▲ 0.50% · 4.625%
HK$49,066
+HK$2,457/mo
Deposit HK$968K · loan HK$8.72M · min. income ≈ HK$93,218/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,427 · 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).