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$22,092
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,779
−HK$698/mo
Today · 4.125%
HK$23,477
baseline
▲ 0.50% · 4.625%
HK$24,906
+HK$1,429/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,954/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,577
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,236
−HK$669/mo
Today · 4.125%
HK$25,905
baseline
▲ 0.50% · 4.625%
HK$27,270
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,810/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,510
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,335
−HK$838/mo
Today · 4.125%
HK$28,173
baseline
▲ 0.50% · 4.625%
HK$29,887
+HK$1,714/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$56,346/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,492
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,283
−HK$803/mo
Today · 4.125%
HK$31,086
baseline
▲ 0.50% · 4.625%
HK$32,724
+HK$1,638/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$62,172/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,929
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,891
−HK$977/mo
Today · 4.125%
HK$32,868
baseline
▲ 0.50% · 4.625%
HK$34,868
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,736/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,408
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,331
−HK$936/mo
Today · 4.125%
HK$36,267
baseline
▲ 0.50% · 4.625%
HK$38,178
+HK$1,911/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,534/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,765
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,002
−HK$1,257/mo
Today · 4.125%
HK$42,259
baseline
▲ 0.50% · 4.625%
HK$44,830
+HK$2,571/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,518/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,239
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,425
−HK$1,204/mo
Today · 4.125%
HK$46,629
baseline
▲ 0.50% · 4.625%
HK$49,086
+HK$2,457/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,258/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,832 · 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).