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$22,065
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,751
−HK$698/mo
Today · 4.125%
HK$23,449
baseline
▲ 0.50% · 4.625%
HK$24,875
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,898/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,547
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,205
−HK$668/mo
Today · 4.125%
HK$25,873
baseline
▲ 0.50% · 4.625%
HK$27,237
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,746/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$337,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,478
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,302
−HK$836/mo
Today · 4.125%
HK$28,138
baseline
▲ 0.50% · 4.625%
HK$29,850
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,276/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,456
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,246
−HK$802/mo
Today · 4.125%
HK$31,048
baseline
▲ 0.50% · 4.625%
HK$32,684
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,096/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,891
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,852
−HK$976/mo
Today · 4.125%
HK$32,828
baseline
▲ 0.50% · 4.625%
HK$34,826
+HK$1,998/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,656/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,366
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,287
−HK$936/mo
Today · 4.125%
HK$36,223
baseline
▲ 0.50% · 4.625%
HK$38,132
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,446/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,717
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,952
−HK$1,255/mo
Today · 4.125%
HK$42,207
baseline
▲ 0.50% · 4.625%
HK$44,776
+HK$2,569/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,414/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,185
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,370
−HK$1,202/mo
Today · 4.125%
HK$46,572
baseline
▲ 0.50% · 4.625%
HK$49,027
+HK$2,455/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,144/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$337,652 · 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).