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$22,066
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,752
−HK$697/mo
Today · 4.125%
HK$23,449
baseline
▲ 0.50% · 4.625%
HK$24,876
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,898/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,548
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,206
−HK$668/mo
Today · 4.125%
HK$25,874
baseline
▲ 0.50% · 4.625%
HK$27,238
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,748/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,479
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,303
−HK$836/mo
Today · 4.125%
HK$28,139
baseline
▲ 0.50% · 4.625%
HK$29,852
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,278/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,457
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,248
−HK$801/mo
Today · 4.125%
HK$31,049
baseline
▲ 0.50% · 4.625%
HK$32,686
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,098/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,892
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,853
−HK$976/mo
Today · 4.125%
HK$32,829
baseline
▲ 0.50% · 4.625%
HK$34,827
+HK$1,998/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,658/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,367
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,289
−HK$935/mo
Today · 4.125%
HK$36,224
baseline
▲ 0.50% · 4.625%
HK$38,133
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,448/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,718
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,954
−HK$1,255/mo
Today · 4.125%
HK$42,209
baseline
▲ 0.50% · 4.625%
HK$44,777
+HK$2,568/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,418/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,186
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,371
−HK$1,202/mo
Today · 4.125%
HK$46,573
baseline
▲ 0.50% · 4.625%
HK$49,028
+HK$2,455/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,146/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,686 · 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).