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$22,072
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,759
−HK$697/mo
Today · 4.125%
HK$23,456
baseline
▲ 0.50% · 4.625%
HK$24,884
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,912/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,555
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,214
−HK$668/mo
Today · 4.125%
HK$25,882
baseline
▲ 0.50% · 4.625%
HK$27,246
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,764/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,487
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,311
−HK$837/mo
Today · 4.125%
HK$28,148
baseline
▲ 0.50% · 4.625%
HK$29,860
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,296/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,466
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,257
−HK$801/mo
Today · 4.125%
HK$31,058
baseline
▲ 0.50% · 4.625%
HK$32,695
+HK$1,637/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,116/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,901
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,862
−HK$977/mo
Today · 4.125%
HK$32,839
baseline
▲ 0.50% · 4.625%
HK$34,837
+HK$1,998/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,678/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,377
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,299
−HK$936/mo
Today · 4.125%
HK$36,235
baseline
▲ 0.50% · 4.625%
HK$38,145
+HK$1,910/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,470/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,730
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$40,966
−HK$1,256/mo
Today · 4.125%
HK$42,222
baseline
▲ 0.50% · 4.625%
HK$44,791
+HK$2,569/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,444/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,199
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,385
−HK$1,202/mo
Today · 4.125%
HK$46,587
baseline
▲ 0.50% · 4.625%
HK$49,043
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,174/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,975 · 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).