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$22,056
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,742
−HK$697/mo
Today · 4.125%
HK$23,439
baseline
▲ 0.50% · 4.625%
HK$24,865
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,878/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,537
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,195
−HK$668/mo
Today · 4.125%
HK$25,863
baseline
▲ 0.50% · 4.625%
HK$27,226
+HK$1,363/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,726/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,467
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,290
−HK$837/mo
Today · 4.125%
HK$28,127
baseline
▲ 0.50% · 4.625%
HK$29,838
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,254/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,444
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,234
−HK$801/mo
Today · 4.125%
HK$31,035
baseline
▲ 0.50% · 4.625%
HK$32,671
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,070/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,878
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,839
−HK$976/mo
Today · 4.125%
HK$32,815
baseline
▲ 0.50% · 4.625%
HK$34,811
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,630/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,352
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,273
−HK$935/mo
Today · 4.125%
HK$36,208
baseline
▲ 0.50% · 4.625%
HK$38,116
+HK$1,908/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,416/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,701
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,936
−HK$1,254/mo
Today · 4.125%
HK$42,190
baseline
▲ 0.50% · 4.625%
HK$44,758
+HK$2,568/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$84,380/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,167
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,351
−HK$1,202/mo
Today · 4.125%
HK$46,553
baseline
▲ 0.50% · 4.625%
HK$49,007
+HK$2,454/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$93,106/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,259 · 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).