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$1,385/mo
▼ 0.25% · 3.875%
HK$22,765
−HK$698/mo
Today · 4.125%
HK$23,463
baseline
▲ 0.50% · 4.625%
HK$24,890
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,926/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,562
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,221
−HK$668/mo
Today · 4.125%
HK$25,889
baseline
▲ 0.50% · 4.625%
HK$27,254
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,778/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,494
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,318
−HK$837/mo
Today · 4.125%
HK$28,155
baseline
▲ 0.50% · 4.625%
HK$29,869
+HK$1,714/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$338,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,474
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,265
−HK$802/mo
Today · 4.125%
HK$31,067
baseline
▲ 0.50% · 4.625%
HK$32,704
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,134/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,910
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,871
−HK$977/mo
Today · 4.125%
HK$32,848
baseline
▲ 0.50% · 4.625%
HK$34,847
+HK$1,999/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,696/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,387
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,309
−HK$935/mo
Today · 4.125%
HK$36,244
baseline
▲ 0.50% · 4.625%
HK$38,155
+HK$1,911/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$338,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,741
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,977
−HK$1,256/mo
Today · 4.125%
HK$42,233
baseline
▲ 0.50% · 4.625%
HK$44,803
+HK$2,570/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,466/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,211
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,397
−HK$1,203/mo
Today · 4.125%
HK$46,600
baseline
▲ 0.50% · 4.625%
HK$49,056
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,200/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,237 · 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).