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$22,075
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,762
−HK$698/mo
Today · 4.125%
HK$23,460
baseline
▲ 0.50% · 4.625%
HK$24,887
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,920/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,559
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,217
−HK$668/mo
Today · 4.125%
HK$25,885
baseline
▲ 0.50% · 4.625%
HK$27,250
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,770/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,490
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,314
−HK$838/mo
Today · 4.125%
HK$28,152
baseline
▲ 0.50% · 4.625%
HK$29,865
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,304/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,470
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,261
−HK$802/mo
Today · 4.125%
HK$31,063
baseline
▲ 0.50% · 4.625%
HK$32,700
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,126/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,905
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,867
−HK$977/mo
Today · 4.125%
HK$32,844
baseline
▲ 0.50% · 4.625%
HK$34,842
+HK$1,998/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,688/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,382
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,304
−HK$936/mo
Today · 4.125%
HK$36,240
baseline
▲ 0.50% · 4.625%
HK$38,150
+HK$1,910/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,480/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,736
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,972
−HK$1,255/mo
Today · 4.125%
HK$42,227
baseline
▲ 0.50% · 4.625%
HK$44,797
+HK$2,570/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,454/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,205
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,391
−HK$1,203/mo
Today · 4.125%
HK$46,594
baseline
▲ 0.50% · 4.625%
HK$49,050
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,188/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,109 · 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).