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$22,069
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,755
−HK$698/mo
Today · 4.125%
HK$23,453
baseline
▲ 0.50% · 4.625%
HK$24,880
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,906/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,551
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,210
−HK$668/mo
Today · 4.125%
HK$25,878
baseline
▲ 0.50% · 4.625%
HK$27,242
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,756/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,482
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,306
−HK$837/mo
Today · 4.125%
HK$28,143
baseline
▲ 0.50% · 4.625%
HK$29,856
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,286/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,461
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,252
−HK$801/mo
Today · 4.125%
HK$31,053
baseline
▲ 0.50% · 4.625%
HK$32,690
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,106/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,896
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,857
−HK$977/mo
Today · 4.125%
HK$32,834
baseline
▲ 0.50% · 4.625%
HK$34,831
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,668/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,372
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,293
−HK$936/mo
Today · 4.125%
HK$36,229
baseline
▲ 0.50% · 4.625%
HK$38,138
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,458/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,724
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,959
−HK$1,256/mo
Today · 4.125%
HK$42,215
baseline
▲ 0.50% · 4.625%
HK$44,783
+HK$2,568/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,430/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,192
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,377
−HK$1,203/mo
Today · 4.125%
HK$46,580
baseline
▲ 0.50% · 4.625%
HK$49,035
+HK$2,455/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,160/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,816 · 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).