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$22,090
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,778
−HK$698/mo
Today · 4.125%
HK$23,476
baseline
▲ 0.50% · 4.625%
HK$24,904
+HK$1,428/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$338,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,575
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,234
−HK$669/mo
Today · 4.125%
HK$25,903
baseline
▲ 0.50% · 4.625%
HK$27,268
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,806/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,508
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,333
−HK$838/mo
Today · 4.125%
HK$28,171
baseline
▲ 0.50% · 4.625%
HK$29,885
+HK$1,714/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$338,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,490
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,281
−HK$803/mo
Today · 4.125%
HK$31,084
baseline
▲ 0.50% · 4.625%
HK$32,722
+HK$1,638/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$338,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,927
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,889
−HK$977/mo
Today · 4.125%
HK$32,866
baseline
▲ 0.50% · 4.625%
HK$34,866
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,732/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,405
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,328
−HK$936/mo
Today · 4.125%
HK$36,264
baseline
▲ 0.50% · 4.625%
HK$38,176
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,528/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,763
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$41,000
−HK$1,256/mo
Today · 4.125%
HK$42,256
baseline
▲ 0.50% · 4.625%
HK$44,827
+HK$2,571/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,512/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,236
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,422
−HK$1,203/mo
Today · 4.125%
HK$46,625
baseline
▲ 0.50% · 4.625%
HK$49,083
+HK$2,458/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,250/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,768 · 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).