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$22,063
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,749
−HK$697/mo
Today · 4.125%
HK$23,446
baseline
▲ 0.50% · 4.625%
HK$24,873
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,892/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,545
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,203
−HK$668/mo
Today · 4.125%
HK$25,871
baseline
▲ 0.50% · 4.625%
HK$27,235
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,742/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,476
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,299
−HK$837/mo
Today · 4.125%
HK$28,136
baseline
▲ 0.50% · 4.625%
HK$29,848
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,272/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,454
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,244
−HK$801/mo
Today · 4.125%
HK$31,045
baseline
▲ 0.50% · 4.625%
HK$32,681
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,090/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,888
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,849
−HK$976/mo
Today · 4.125%
HK$32,825
baseline
▲ 0.50% · 4.625%
HK$34,822
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,650/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,363
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,284
−HK$935/mo
Today · 4.125%
HK$36,219
baseline
▲ 0.50% · 4.625%
HK$38,128
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,438/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,713
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,949
−HK$1,255/mo
Today · 4.125%
HK$42,204
baseline
▲ 0.50% · 4.625%
HK$44,772
+HK$2,568/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,408/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,181
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,366
−HK$1,202/mo
Today · 4.125%
HK$46,568
baseline
▲ 0.50% · 4.625%
HK$49,022
+HK$2,454/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,136/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,564 · 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).