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$22,094
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,781
−HK$698/mo
Today · 4.125%
HK$23,479
baseline
▲ 0.50% · 4.625%
HK$24,908
+HK$1,429/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,958/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,579
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,238
−HK$669/mo
Today · 4.125%
HK$25,907
baseline
▲ 0.50% · 4.625%
HK$27,273
+HK$1,366/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,814/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,512
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,337
−HK$838/mo
Today · 4.125%
HK$28,175
baseline
▲ 0.50% · 4.625%
HK$29,889
+HK$1,714/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$56,350/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,495
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,286
−HK$802/mo
Today · 4.125%
HK$31,088
baseline
▲ 0.50% · 4.625%
HK$32,727
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$62,176/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,931
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,893
−HK$978/mo
Today · 4.125%
HK$32,871
baseline
▲ 0.50% · 4.625%
HK$34,871
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,742/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,411
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,334
−HK$936/mo
Today · 4.125%
HK$36,270
baseline
▲ 0.50% · 4.625%
HK$38,182
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,540/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,769
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,006
−HK$1,257/mo
Today · 4.125%
HK$42,263
baseline
▲ 0.50% · 4.625%
HK$44,834
+HK$2,571/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,526/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,242
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,429
−HK$1,204/mo
Today · 4.125%
HK$46,633
baseline
▲ 0.50% · 4.625%
HK$49,091
+HK$2,458/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,266/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,915 · 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).