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$22,756
−HK$697/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$337,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,552
−HK$1,326/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$337,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,483
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,307
−HK$837/mo
Today · 4.125%
HK$28,144
baseline
▲ 0.50% · 4.625%
HK$29,856
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,288/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,462
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,252
−HK$802/mo
Today · 4.125%
HK$31,054
baseline
▲ 0.50% · 4.625%
HK$32,691
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,108/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,897
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,858
−HK$976/mo
Today · 4.125%
HK$32,834
baseline
▲ 0.50% · 4.625%
HK$34,832
+HK$1,998/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$337,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,372
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,294
−HK$935/mo
Today · 4.125%
HK$36,229
baseline
▲ 0.50% · 4.625%
HK$38,139
+HK$1,910/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$337,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,724
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,960
−HK$1,256/mo
Today · 4.125%
HK$42,216
baseline
▲ 0.50% · 4.625%
HK$44,784
+HK$2,568/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,432/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,836 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,193
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,378
−HK$1,203/mo
Today · 4.125%
HK$46,581
baseline
▲ 0.50% · 4.625%
HK$49,036
+HK$2,455/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,162/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,836 · 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).