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$22,067
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,754
−HK$697/mo
Today · 4.125%
HK$23,451
baseline
▲ 0.50% · 4.625%
HK$24,878
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,902/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,550
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,208
−HK$668/mo
Today · 4.125%
HK$25,876
baseline
▲ 0.50% · 4.625%
HK$27,240
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,752/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,481
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,305
−HK$837/mo
Today · 4.125%
HK$28,142
baseline
▲ 0.50% · 4.625%
HK$29,854
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,284/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,460
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,250
−HK$801/mo
Today · 4.125%
HK$31,051
baseline
▲ 0.50% · 4.625%
HK$32,688
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,102/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,894
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,855
−HK$977/mo
Today · 4.125%
HK$32,832
baseline
▲ 0.50% · 4.625%
HK$34,830
+HK$1,998/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,664/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,370
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,292
−HK$935/mo
Today · 4.125%
HK$36,227
baseline
▲ 0.50% · 4.625%
HK$38,136
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,454/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,721
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,957
−HK$1,255/mo
Today · 4.125%
HK$42,212
baseline
▲ 0.50% · 4.625%
HK$44,781
+HK$2,569/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,424/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,190
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,375
−HK$1,202/mo
Today · 4.125%
HK$46,577
baseline
▲ 0.50% · 4.625%
HK$49,032
+HK$2,455/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,154/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,762 · 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).