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$22,095
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,782
−HK$698/mo
Today · 4.125%
HK$23,480
baseline
▲ 0.50% · 4.625%
HK$24,909
+HK$1,429/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,960/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,580
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,240
−HK$668/mo
Today · 4.125%
HK$25,908
baseline
▲ 0.50% · 4.625%
HK$27,274
+HK$1,366/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,816/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,514
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,339
−HK$838/mo
Today · 4.125%
HK$28,177
baseline
▲ 0.50% · 4.625%
HK$29,891
+HK$1,714/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$56,354/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,496
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$802/mo
Today · 4.125%
HK$31,090
baseline
▲ 0.50% · 4.625%
HK$32,729
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$62,180/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,933
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,895
−HK$978/mo
Today · 4.125%
HK$32,873
baseline
▲ 0.50% · 4.625%
HK$34,873
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,746/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,413
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,335
−HK$937/mo
Today · 4.125%
HK$36,272
baseline
▲ 0.50% · 4.625%
HK$38,184
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,544/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,771
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,008
−HK$1,257/mo
Today · 4.125%
HK$42,265
baseline
▲ 0.50% · 4.625%
HK$44,837
+HK$2,572/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,530/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,245
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,431
−HK$1,204/mo
Today · 4.125%
HK$46,635
baseline
▲ 0.50% · 4.625%
HK$49,093
+HK$2,458/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,270/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,968 · 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).