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$22,091
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,778
−HK$698/mo
Today · 4.125%
HK$23,476
baseline
▲ 0.50% · 4.625%
HK$24,905
+HK$1,429/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,952/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,576
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,235
−HK$669/mo
Today · 4.125%
HK$25,904
baseline
▲ 0.50% · 4.625%
HK$27,269
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,808/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,509
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,334
−HK$837/mo
Today · 4.125%
HK$28,171
baseline
▲ 0.50% · 4.625%
HK$29,886
+HK$1,715/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$56,342/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,491
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,282
−HK$802/mo
Today · 4.125%
HK$31,084
baseline
▲ 0.50% · 4.625%
HK$32,723
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$62,168/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,927
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,889
−HK$978/mo
Today · 4.125%
HK$32,867
baseline
▲ 0.50% · 4.625%
HK$34,866
+HK$1,999/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,734/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,406
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,329
−HK$936/mo
Today · 4.125%
HK$36,265
baseline
▲ 0.50% · 4.625%
HK$38,177
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,530/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,764
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$41,000
−HK$1,257/mo
Today · 4.125%
HK$42,257
baseline
▲ 0.50% · 4.625%
HK$44,828
+HK$2,571/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,514/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,237
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,423
−HK$1,203/mo
Today · 4.125%
HK$46,626
baseline
▲ 0.50% · 4.625%
HK$49,084
+HK$2,458/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,252/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,789 · 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).