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$22,071
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,758
−HK$697/mo
Today · 4.125%
HK$23,455
baseline
▲ 0.50% · 4.625%
HK$24,883
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,910/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,554
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,213
−HK$668/mo
Today · 4.125%
HK$25,881
baseline
▲ 0.50% · 4.625%
HK$27,245
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,762/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,486
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,309
−HK$837/mo
Today · 4.125%
HK$28,146
baseline
▲ 0.50% · 4.625%
HK$29,859
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,292/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,465
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,255
−HK$802/mo
Today · 4.125%
HK$31,057
baseline
▲ 0.50% · 4.625%
HK$32,694
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,114/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,900
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,861
−HK$976/mo
Today · 4.125%
HK$32,837
baseline
▲ 0.50% · 4.625%
HK$34,836
+HK$1,999/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,674/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,376
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,298
−HK$935/mo
Today · 4.125%
HK$36,233
baseline
▲ 0.50% · 4.625%
HK$38,143
+HK$1,910/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,466/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,728
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,964
−HK$1,256/mo
Today · 4.125%
HK$42,220
baseline
▲ 0.50% · 4.625%
HK$44,789
+HK$2,569/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,440/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,197
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,383
−HK$1,202/mo
Today · 4.125%
HK$46,585
baseline
▲ 0.50% · 4.625%
HK$49,041
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,170/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,929 · 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).