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$22,092
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,779
−HK$698/mo
Today · 4.125%
HK$23,477
baseline
▲ 0.50% · 4.625%
HK$24,905
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,954/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,577
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,236
−HK$668/mo
Today · 4.125%
HK$25,904
baseline
▲ 0.50% · 4.625%
HK$27,270
+HK$1,366/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$338,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,510
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,334
−HK$838/mo
Today · 4.125%
HK$28,172
baseline
▲ 0.50% · 4.625%
HK$29,886
+HK$1,714/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$56,344/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,492
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,283
−HK$802/mo
Today · 4.125%
HK$31,085
baseline
▲ 0.50% · 4.625%
HK$32,724
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$62,170/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,928
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,890
−HK$978/mo
Today · 4.125%
HK$32,868
baseline
▲ 0.50% · 4.625%
HK$34,868
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,736/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,407
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,330
−HK$936/mo
Today · 4.125%
HK$36,266
baseline
▲ 0.50% · 4.625%
HK$38,178
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,532/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,765
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$41,002
−HK$1,256/mo
Today · 4.125%
HK$42,258
baseline
▲ 0.50% · 4.625%
HK$44,830
+HK$2,572/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,516/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,238
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,424
−HK$1,204/mo
Today · 4.125%
HK$46,628
baseline
▲ 0.50% · 4.625%
HK$49,086
+HK$2,458/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,256/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,819 · 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).