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$22,076
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,763
−HK$698/mo
Today · 4.125%
HK$23,461
baseline
▲ 0.50% · 4.625%
HK$24,888
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,922/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,560
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,218
−HK$669/mo
Today · 4.125%
HK$25,887
baseline
▲ 0.50% · 4.625%
HK$27,251
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,774/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,492
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,316
−HK$837/mo
Today · 4.125%
HK$28,153
baseline
▲ 0.50% · 4.625%
HK$29,866
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,306/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,472
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,262
−HK$802/mo
Today · 4.125%
HK$31,064
baseline
▲ 0.50% · 4.625%
HK$32,701
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,128/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,907
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,868
−HK$977/mo
Today · 4.125%
HK$32,845
baseline
▲ 0.50% · 4.625%
HK$34,844
+HK$1,999/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,690/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,384
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,306
−HK$935/mo
Today · 4.125%
HK$36,241
baseline
▲ 0.50% · 4.625%
HK$38,152
+HK$1,911/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,482/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,737
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,974
−HK$1,255/mo
Today · 4.125%
HK$42,229
baseline
▲ 0.50% · 4.625%
HK$44,799
+HK$2,570/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,458/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,208
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,393
−HK$1,203/mo
Today · 4.125%
HK$46,596
baseline
▲ 0.50% · 4.625%
HK$49,052
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,192/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,154 · 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).