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$22,079
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,766
−HK$698/mo
Today · 4.125%
HK$23,464
baseline
▲ 0.50% · 4.625%
HK$24,891
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,928/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,563
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,221
−HK$669/mo
Today · 4.125%
HK$25,890
baseline
▲ 0.50% · 4.625%
HK$27,254
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,780/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,495
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,319
−HK$837/mo
Today · 4.125%
HK$28,156
baseline
▲ 0.50% · 4.625%
HK$29,870
+HK$1,714/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,312/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,475
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,266
−HK$802/mo
Today · 4.125%
HK$31,068
baseline
▲ 0.50% · 4.625%
HK$32,705
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,136/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,911
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,872
−HK$977/mo
Today · 4.125%
HK$32,849
baseline
▲ 0.50% · 4.625%
HK$34,848
+HK$1,999/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,698/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,388
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,310
−HK$936/mo
Today · 4.125%
HK$36,246
baseline
▲ 0.50% · 4.625%
HK$38,156
+HK$1,910/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,492/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,742
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,979
−HK$1,256/mo
Today · 4.125%
HK$42,235
baseline
▲ 0.50% · 4.625%
HK$44,804
+HK$2,569/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,470/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,213
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,399
−HK$1,203/mo
Today · 4.125%
HK$46,602
baseline
▲ 0.50% · 4.625%
HK$49,058
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,204/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,271 · 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).