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$22,064
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,750
−HK$697/mo
Today · 4.125%
HK$23,447
baseline
▲ 0.50% · 4.625%
HK$24,874
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,894/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,546
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,204
−HK$668/mo
Today · 4.125%
HK$25,872
baseline
▲ 0.50% · 4.625%
HK$27,236
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,744/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,477
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,300
−HK$837/mo
Today · 4.125%
HK$28,137
baseline
▲ 0.50% · 4.625%
HK$29,849
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,274/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,455
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,245
−HK$801/mo
Today · 4.125%
HK$31,046
baseline
▲ 0.50% · 4.625%
HK$32,683
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,092/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,889
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,850
−HK$976/mo
Today · 4.125%
HK$32,826
baseline
▲ 0.50% · 4.625%
HK$34,824
+HK$1,998/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,652/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,364
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,286
−HK$935/mo
Today · 4.125%
HK$36,221
baseline
▲ 0.50% · 4.625%
HK$38,130
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,442/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,715
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,950
−HK$1,255/mo
Today · 4.125%
HK$42,205
baseline
▲ 0.50% · 4.625%
HK$44,773
+HK$2,568/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,410/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,182
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,367
−HK$1,202/mo
Today · 4.125%
HK$46,569
baseline
▲ 0.50% · 4.625%
HK$49,024
+HK$2,455/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,138/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,602 · 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).