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$22,082
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,769
−HK$698/mo
Today · 4.125%
HK$23,467
baseline
▲ 0.50% · 4.625%
HK$24,895
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,934/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,566
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,225
−HK$668/mo
Today · 4.125%
HK$25,893
baseline
▲ 0.50% · 4.625%
HK$27,258
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,786/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,498
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,323
−HK$837/mo
Today · 4.125%
HK$28,160
baseline
▲ 0.50% · 4.625%
HK$29,873
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,320/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,479
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,270
−HK$802/mo
Today · 4.125%
HK$31,072
baseline
▲ 0.50% · 4.625%
HK$32,710
+HK$1,638/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,144/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,915
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,876
−HK$977/mo
Today · 4.125%
HK$32,853
baseline
▲ 0.50% · 4.625%
HK$34,852
+HK$1,999/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,706/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,392
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,315
−HK$935/mo
Today · 4.125%
HK$36,250
baseline
▲ 0.50% · 4.625%
HK$38,161
+HK$1,911/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,500/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,747
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,984
−HK$1,256/mo
Today · 4.125%
HK$42,240
baseline
▲ 0.50% · 4.625%
HK$44,810
+HK$2,570/mo
Deposit HK$968K · loan HK$8.72M · min. income ≈ HK$84,480/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,219
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,405
−HK$1,203/mo
Today · 4.125%
HK$46,608
baseline
▲ 0.50% · 4.625%
HK$49,064
+HK$2,456/mo
Deposit HK$968K · loan HK$8.72M · min. income ≈ HK$93,216/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,397 · 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).