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$22,067
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,753
−HK$697/mo
Today · 4.125%
HK$23,450
baseline
▲ 0.50% · 4.625%
HK$24,877
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,900/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,549
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,207
−HK$668/mo
Today · 4.125%
HK$25,875
baseline
▲ 0.50% · 4.625%
HK$27,239
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,750/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,480
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,304
−HK$837/mo
Today · 4.125%
HK$28,141
baseline
▲ 0.50% · 4.625%
HK$29,853
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,282/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,459
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,249
−HK$801/mo
Today · 4.125%
HK$31,050
baseline
▲ 0.50% · 4.625%
HK$32,687
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,100/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,893
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,854
−HK$977/mo
Today · 4.125%
HK$32,831
baseline
▲ 0.50% · 4.625%
HK$34,828
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,662/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,369
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,290
−HK$935/mo
Today · 4.125%
HK$36,225
baseline
▲ 0.50% · 4.625%
HK$38,135
+HK$1,910/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,450/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,720
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,956
−HK$1,255/mo
Today · 4.125%
HK$42,211
baseline
▲ 0.50% · 4.625%
HK$44,779
+HK$2,568/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,422/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,188
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,373
−HK$1,203/mo
Today · 4.125%
HK$46,576
baseline
▲ 0.50% · 4.625%
HK$49,031
+HK$2,455/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,152/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,729 · 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).