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$22,068
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,755
−HK$697/mo
Today · 4.125%
HK$23,452
baseline
▲ 0.50% · 4.625%
HK$24,879
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,904/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,551
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,209
−HK$668/mo
Today · 4.125%
HK$25,877
baseline
▲ 0.50% · 4.625%
HK$27,241
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,754/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,798 · 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$29,855
+HK$1,712/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$337,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,461
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,251
−HK$802/mo
Today · 4.125%
HK$31,053
baseline
▲ 0.50% · 4.625%
HK$32,689
+HK$1,636/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$337,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,896
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,857
−HK$976/mo
Today · 4.125%
HK$32,833
baseline
▲ 0.50% · 4.625%
HK$34,831
+HK$1,998/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,666/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,371
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,293
−HK$935/mo
Today · 4.125%
HK$36,228
baseline
▲ 0.50% · 4.625%
HK$38,138
+HK$1,910/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,456/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,723
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,959
−HK$1,255/mo
Today · 4.125%
HK$42,214
baseline
▲ 0.50% · 4.625%
HK$44,782
+HK$2,568/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,428/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,191
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,377
−HK$1,202/mo
Today · 4.125%
HK$46,579
baseline
▲ 0.50% · 4.625%
HK$49,034
+HK$2,455/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,158/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,798 · 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).