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$22,092
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,780
−HK$698/mo
Today · 4.125%
HK$23,478
baseline
▲ 0.50% · 4.625%
HK$24,906
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,956/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,578
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,237
−HK$668/mo
Today · 4.125%
HK$25,905
baseline
▲ 0.50% · 4.625%
HK$27,271
+HK$1,366/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,810/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,511
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,336
−HK$837/mo
Today · 4.125%
HK$28,173
baseline
▲ 0.50% · 4.625%
HK$29,888
+HK$1,715/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$56,346/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,493
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,284
−HK$803/mo
Today · 4.125%
HK$31,087
baseline
▲ 0.50% · 4.625%
HK$32,725
+HK$1,638/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$62,174/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,929
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,891
−HK$978/mo
Today · 4.125%
HK$32,869
baseline
▲ 0.50% · 4.625%
HK$34,869
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,738/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,409
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,331
−HK$937/mo
Today · 4.125%
HK$36,268
baseline
▲ 0.50% · 4.625%
HK$38,179
+HK$1,911/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,536/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,766
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,003
−HK$1,257/mo
Today · 4.125%
HK$42,260
baseline
▲ 0.50% · 4.625%
HK$44,831
+HK$2,571/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,520/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,240
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,426
−HK$1,204/mo
Today · 4.125%
HK$46,630
baseline
▲ 0.50% · 4.625%
HK$49,088
+HK$2,458/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,260/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,857 · 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).