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$22,062
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,748
−HK$697/mo
Today · 4.125%
HK$23,445
baseline
▲ 0.50% · 4.625%
HK$24,872
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,890/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,543
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,202
−HK$667/mo
Today · 4.125%
HK$25,869
baseline
▲ 0.50% · 4.625%
HK$27,233
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,738/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,474
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,297
−HK$837/mo
Today · 4.125%
HK$28,134
baseline
▲ 0.50% · 4.625%
HK$29,846
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,268/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,452
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,242
−HK$801/mo
Today · 4.125%
HK$31,043
baseline
▲ 0.50% · 4.625%
HK$32,680
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,086/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,886
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,847
−HK$976/mo
Today · 4.125%
HK$32,823
baseline
▲ 0.50% · 4.625%
HK$34,820
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,646/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,361
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,282
−HK$935/mo
Today · 4.125%
HK$36,217
baseline
▲ 0.50% · 4.625%
HK$38,126
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,434/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,711
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,946
−HK$1,255/mo
Today · 4.125%
HK$42,201
baseline
▲ 0.50% · 4.625%
HK$44,769
+HK$2,568/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,402/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,178
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,363
−HK$1,202/mo
Today · 4.125%
HK$46,565
baseline
▲ 0.50% · 4.625%
HK$49,019
+HK$2,454/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,130/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,509 · 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).