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$22,089
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,777
−HK$698/mo
Today · 4.125%
HK$23,475
baseline
▲ 0.50% · 4.625%
HK$24,903
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,950/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,574
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,233
−HK$669/mo
Today · 4.125%
HK$25,902
baseline
▲ 0.50% · 4.625%
HK$27,267
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,804/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,507
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,332
−HK$838/mo
Today · 4.125%
HK$28,170
baseline
▲ 0.50% · 4.625%
HK$29,884
+HK$1,714/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,340/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,489
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,280
−HK$802/mo
Today · 4.125%
HK$31,082
baseline
▲ 0.50% · 4.625%
HK$32,721
+HK$1,639/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,164/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,925
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,887
−HK$977/mo
Today · 4.125%
HK$32,864
baseline
▲ 0.50% · 4.625%
HK$34,864
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,728/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,404
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,327
−HK$936/mo
Today · 4.125%
HK$36,263
baseline
▲ 0.50% · 4.625%
HK$38,174
+HK$1,911/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,526/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,761
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,998
−HK$1,256/mo
Today · 4.125%
HK$42,254
baseline
▲ 0.50% · 4.625%
HK$44,825
+HK$2,571/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,508/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,234
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,420
−HK$1,203/mo
Today · 4.125%
HK$46,623
baseline
▲ 0.50% · 4.625%
HK$49,081
+HK$2,458/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,246/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,725 · 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).