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$22,087
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,774
−HK$698/mo
Today · 4.125%
HK$23,472
baseline
▲ 0.50% · 4.625%
HK$24,901
+HK$1,429/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,944/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,572
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,231
−HK$669/mo
Today · 4.125%
HK$25,900
baseline
▲ 0.50% · 4.625%
HK$27,265
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,800/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,505
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,329
−HK$838/mo
Today · 4.125%
HK$28,167
baseline
▲ 0.50% · 4.625%
HK$29,881
+HK$1,714/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,334/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,486
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,277
−HK$802/mo
Today · 4.125%
HK$31,079
baseline
▲ 0.50% · 4.625%
HK$32,718
+HK$1,639/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,158/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,922
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,884
−HK$977/mo
Today · 4.125%
HK$32,861
baseline
▲ 0.50% · 4.625%
HK$34,861
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,722/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,401
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,323
−HK$936/mo
Today · 4.125%
HK$36,259
baseline
▲ 0.50% · 4.625%
HK$38,171
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,518/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,757
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,994
−HK$1,256/mo
Today · 4.125%
HK$42,250
baseline
▲ 0.50% · 4.625%
HK$44,821
+HK$2,571/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,500/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,230
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,416
−HK$1,203/mo
Today · 4.125%
HK$46,619
baseline
▲ 0.50% · 4.625%
HK$49,077
+HK$2,458/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,238/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,636 · 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).