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$22,078
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,765
−HK$697/mo
Today · 4.125%
HK$23,462
baseline
▲ 0.50% · 4.625%
HK$24,890
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,924/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,561
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,220
−HK$668/mo
Today · 4.125%
HK$25,888
baseline
▲ 0.50% · 4.625%
HK$27,253
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,776/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,493
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,317
−HK$838/mo
Today · 4.125%
HK$28,155
baseline
▲ 0.50% · 4.625%
HK$29,868
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,310/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,474
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,264
−HK$802/mo
Today · 4.125%
HK$31,066
baseline
▲ 0.50% · 4.625%
HK$32,703
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,132/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,909
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,870
−HK$977/mo
Today · 4.125%
HK$32,847
baseline
▲ 0.50% · 4.625%
HK$34,846
+HK$1,999/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,694/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,386
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,308
−HK$936/mo
Today · 4.125%
HK$36,244
baseline
▲ 0.50% · 4.625%
HK$38,154
+HK$1,910/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,488/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,740
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,976
−HK$1,256/mo
Today · 4.125%
HK$42,232
baseline
▲ 0.50% · 4.625%
HK$44,802
+HK$2,570/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,464/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,210
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,396
−HK$1,203/mo
Today · 4.125%
HK$46,599
baseline
▲ 0.50% · 4.625%
HK$49,055
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,198/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,215 · 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).