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$22,087
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,774
−HK$698/mo
Today · 4.125%
HK$23,472
baseline
▲ 0.50% · 4.625%
HK$24,900
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,944/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,571
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,230
−HK$669/mo
Today · 4.125%
HK$25,899
baseline
▲ 0.50% · 4.625%
HK$27,264
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,798/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,504
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,328
−HK$838/mo
Today · 4.125%
HK$28,166
baseline
▲ 0.50% · 4.625%
HK$29,880
+HK$1,714/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,332/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,485
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,276
−HK$802/mo
Today · 4.125%
HK$31,078
baseline
▲ 0.50% · 4.625%
HK$32,716
+HK$1,638/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,156/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,921
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,883
−HK$977/mo
Today · 4.125%
HK$32,860
baseline
▲ 0.50% · 4.625%
HK$34,860
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,720/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,399
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,322
−HK$936/mo
Today · 4.125%
HK$36,258
baseline
▲ 0.50% · 4.625%
HK$38,169
+HK$1,911/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,516/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,756
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,992
−HK$1,257/mo
Today · 4.125%
HK$42,249
baseline
▲ 0.50% · 4.625%
HK$44,820
+HK$2,571/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,498/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,228
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,414
−HK$1,203/mo
Today · 4.125%
HK$46,617
baseline
▲ 0.50% · 4.625%
HK$49,075
+HK$2,458/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,234/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,599 · 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).