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$22,057
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,743
−HK$697/mo
Today · 4.125%
HK$23,440
baseline
▲ 0.50% · 4.625%
HK$24,867
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,880/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,539
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,197
−HK$667/mo
Today · 4.125%
HK$25,864
baseline
▲ 0.50% · 4.625%
HK$27,228
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,728/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,469
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,292
−HK$837/mo
Today · 4.125%
HK$28,129
baseline
▲ 0.50% · 4.625%
HK$29,840
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,258/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,446
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,236
−HK$801/mo
Today · 4.125%
HK$31,037
baseline
▲ 0.50% · 4.625%
HK$32,673
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,074/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,880
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,841
−HK$976/mo
Today · 4.125%
HK$32,817
baseline
▲ 0.50% · 4.625%
HK$34,813
+HK$1,996/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,634/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,354
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,275
−HK$935/mo
Today · 4.125%
HK$36,210
baseline
▲ 0.50% · 4.625%
HK$38,119
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,420/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,703
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,938
−HK$1,255/mo
Today · 4.125%
HK$42,193
baseline
▲ 0.50% · 4.625%
HK$44,760
+HK$2,567/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$84,386/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,169
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,354
−HK$1,202/mo
Today · 4.125%
HK$46,556
baseline
▲ 0.50% · 4.625%
HK$49,010
+HK$2,454/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$93,112/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,316 · 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).