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$22,085
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,772
−HK$698/mo
Today · 4.125%
HK$23,470
baseline
▲ 0.50% · 4.625%
HK$24,898
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,940/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,569
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,228
−HK$669/mo
Today · 4.125%
HK$25,897
baseline
▲ 0.50% · 4.625%
HK$27,262
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,794/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,502
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,326
−HK$838/mo
Today · 4.125%
HK$28,164
baseline
▲ 0.50% · 4.625%
HK$29,878
+HK$1,714/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,328/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,483
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,274
−HK$802/mo
Today · 4.125%
HK$31,076
baseline
▲ 0.50% · 4.625%
HK$32,714
+HK$1,638/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,152/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,919
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,881
−HK$977/mo
Today · 4.125%
HK$32,858
baseline
▲ 0.50% · 4.625%
HK$34,857
+HK$1,999/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,716/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,397
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,319
−HK$936/mo
Today · 4.125%
HK$36,255
baseline
▲ 0.50% · 4.625%
HK$38,166
+HK$1,911/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,510/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,753
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,989
−HK$1,257/mo
Today · 4.125%
HK$42,246
baseline
▲ 0.50% · 4.625%
HK$44,816
+HK$2,570/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,492/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,225
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,411
−HK$1,203/mo
Today · 4.125%
HK$46,614
baseline
▲ 0.50% · 4.625%
HK$49,071
+HK$2,457/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,228/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,528 · 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).