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$22,088
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,775
−HK$698/mo
Today · 4.125%
HK$23,473
baseline
▲ 0.50% · 4.625%
HK$24,901
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,946/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,572
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,231
−HK$669/mo
Today · 4.125%
HK$25,900
baseline
▲ 0.50% · 4.625%
HK$27,265
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,800/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,505
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,330
−HK$837/mo
Today · 4.125%
HK$28,167
baseline
▲ 0.50% · 4.625%
HK$29,881
+HK$1,714/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,334/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,487
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,278
−HK$802/mo
Today · 4.125%
HK$31,080
baseline
▲ 0.50% · 4.625%
HK$32,718
+HK$1,638/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,160/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,923
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,885
−HK$977/mo
Today · 4.125%
HK$32,862
baseline
▲ 0.50% · 4.625%
HK$34,861
+HK$1,999/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,724/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,401
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,324
−HK$936/mo
Today · 4.125%
HK$36,260
baseline
▲ 0.50% · 4.625%
HK$38,171
+HK$1,911/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,520/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,758
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,995
−HK$1,256/mo
Today · 4.125%
HK$42,251
baseline
▲ 0.50% · 4.625%
HK$44,822
+HK$2,571/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,502/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,230
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,416
−HK$1,204/mo
Today · 4.125%
HK$46,620
baseline
▲ 0.50% · 4.625%
HK$49,077
+HK$2,457/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,240/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,649 · 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).