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$22,058
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,744
−HK$697/mo
Today · 4.125%
HK$23,441
baseline
▲ 0.50% · 4.625%
HK$24,867
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,882/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,539
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,197
−HK$668/mo
Today · 4.125%
HK$25,865
baseline
▲ 0.50% · 4.625%
HK$27,228
+HK$1,363/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,730/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,469
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,292
−HK$837/mo
Today · 4.125%
HK$28,129
baseline
▲ 0.50% · 4.625%
HK$29,840
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,258/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,447
−HK$1,590/mo
▼ 0.25% · 3.875%
HK$30,236
−HK$801/mo
Today · 4.125%
HK$31,037
baseline
▲ 0.50% · 4.625%
HK$32,673
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,074/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,881
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,841
−HK$976/mo
Today · 4.125%
HK$32,817
baseline
▲ 0.50% · 4.625%
HK$34,814
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,634/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,354
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,276
−HK$934/mo
Today · 4.125%
HK$36,210
baseline
▲ 0.50% · 4.625%
HK$38,119
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,420/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,704
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,939
−HK$1,254/mo
Today · 4.125%
HK$42,193
baseline
▲ 0.50% · 4.625%
HK$44,761
+HK$2,568/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$84,386/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,170
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,354
−HK$1,202/mo
Today · 4.125%
HK$46,556
baseline
▲ 0.50% · 4.625%
HK$49,010
+HK$2,454/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$93,112/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,326 · 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).