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$22,074
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,760
−HK$698/mo
Today · 4.125%
HK$23,458
baseline
▲ 0.50% · 4.625%
HK$24,885
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,916/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,557
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,215
−HK$668/mo
Today · 4.125%
HK$25,883
baseline
▲ 0.50% · 4.625%
HK$27,248
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,766/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,488
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,312
−HK$837/mo
Today · 4.125%
HK$28,149
baseline
▲ 0.50% · 4.625%
HK$29,862
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,298/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,468
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,258
−HK$802/mo
Today · 4.125%
HK$31,060
baseline
▲ 0.50% · 4.625%
HK$32,697
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,120/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,903
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,864
−HK$977/mo
Today · 4.125%
HK$32,841
baseline
▲ 0.50% · 4.625%
HK$34,839
+HK$1,998/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,682/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,379
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,301
−HK$936/mo
Today · 4.125%
HK$36,237
baseline
▲ 0.50% · 4.625%
HK$38,147
+HK$1,910/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,474/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,732
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,968
−HK$1,256/mo
Today · 4.125%
HK$42,224
baseline
▲ 0.50% · 4.625%
HK$44,793
+HK$2,569/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,448/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,202
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,387
−HK$1,203/mo
Today · 4.125%
HK$46,590
baseline
▲ 0.50% · 4.625%
HK$49,046
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,180/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,031 · 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).