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$22,080
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,766
−HK$698/mo
Today · 4.125%
HK$23,464
baseline
▲ 0.50% · 4.625%
HK$24,892
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,928/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,563
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,222
−HK$668/mo
Today · 4.125%
HK$25,890
baseline
▲ 0.50% · 4.625%
HK$27,255
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,780/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,495
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,320
−HK$837/mo
Today · 4.125%
HK$28,157
baseline
▲ 0.50% · 4.625%
HK$29,870
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,314/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,476
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,266
−HK$802/mo
Today · 4.125%
HK$31,068
baseline
▲ 0.50% · 4.625%
HK$32,706
+HK$1,638/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,136/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,911
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,873
−HK$977/mo
Today · 4.125%
HK$32,850
baseline
▲ 0.50% · 4.625%
HK$34,849
+HK$1,999/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,700/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,389
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,311
−HK$935/mo
Today · 4.125%
HK$36,246
baseline
▲ 0.50% · 4.625%
HK$38,157
+HK$1,911/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,492/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,743
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,979
−HK$1,256/mo
Today · 4.125%
HK$42,235
baseline
▲ 0.50% · 4.625%
HK$44,805
+HK$2,570/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,470/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,214
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,400
−HK$1,203/mo
Today · 4.125%
HK$46,603
baseline
▲ 0.50% · 4.625%
HK$49,059
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,206/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,292 · 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).