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$22,059
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,745
−HK$697/mo
Today · 4.125%
HK$23,442
baseline
▲ 0.50% · 4.625%
HK$24,869
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,884/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,540
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,198
−HK$668/mo
Today · 4.125%
HK$25,866
baseline
▲ 0.50% · 4.625%
HK$27,230
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,732/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,471
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,294
−HK$837/mo
Today · 4.125%
HK$28,131
baseline
▲ 0.50% · 4.625%
HK$29,842
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,262/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,448
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,238
−HK$801/mo
Today · 4.125%
HK$31,039
baseline
▲ 0.50% · 4.625%
HK$32,676
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,078/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,882
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,843
−HK$976/mo
Today · 4.125%
HK$32,819
baseline
▲ 0.50% · 4.625%
HK$34,816
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,638/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,356
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,278
−HK$935/mo
Today · 4.125%
HK$36,213
baseline
▲ 0.50% · 4.625%
HK$38,121
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,426/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,706
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,941
−HK$1,255/mo
Today · 4.125%
HK$42,196
baseline
▲ 0.50% · 4.625%
HK$44,764
+HK$2,568/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$84,392/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,173
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,357
−HK$1,202/mo
Today · 4.125%
HK$46,559
baseline
▲ 0.50% · 4.625%
HK$49,013
+HK$2,454/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$93,118/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,388 · 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).