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$22,074
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,761
−HK$697/mo
Today · 4.125%
HK$23,458
baseline
▲ 0.50% · 4.625%
HK$24,886
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,916/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,557
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,216
−HK$668/mo
Today · 4.125%
HK$25,884
baseline
▲ 0.50% · 4.625%
HK$27,248
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,768/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,489
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,313
−HK$837/mo
Today · 4.125%
HK$28,150
baseline
▲ 0.50% · 4.625%
HK$29,863
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,300/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,468
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,259
−HK$802/mo
Today · 4.125%
HK$31,061
baseline
▲ 0.50% · 4.625%
HK$32,698
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,122/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,904
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,865
−HK$976/mo
Today · 4.125%
HK$32,841
baseline
▲ 0.50% · 4.625%
HK$34,840
+HK$1,999/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,682/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,380
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,302
−HK$935/mo
Today · 4.125%
HK$36,237
baseline
▲ 0.50% · 4.625%
HK$38,147
+HK$1,910/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,474/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,733
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,969
−HK$1,256/mo
Today · 4.125%
HK$42,225
baseline
▲ 0.50% · 4.625%
HK$44,794
+HK$2,569/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,450/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,203
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,388
−HK$1,203/mo
Today · 4.125%
HK$46,591
baseline
▲ 0.50% · 4.625%
HK$49,047
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,182/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,047 · 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).