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$22,084
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,771
−HK$698/mo
Today · 4.125%
HK$23,469
baseline
▲ 0.50% · 4.625%
HK$24,897
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,938/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,568
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,227
−HK$669/mo
Today · 4.125%
HK$25,896
baseline
▲ 0.50% · 4.625%
HK$27,261
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,792/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,501
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,325
−HK$838/mo
Today · 4.125%
HK$28,163
baseline
▲ 0.50% · 4.625%
HK$29,876
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,326/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,482
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,273
−HK$802/mo
Today · 4.125%
HK$31,075
baseline
▲ 0.50% · 4.625%
HK$32,713
+HK$1,638/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,150/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,918
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,879
−HK$977/mo
Today · 4.125%
HK$32,856
baseline
▲ 0.50% · 4.625%
HK$34,856
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,712/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,395
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,318
−HK$936/mo
Today · 4.125%
HK$36,254
baseline
▲ 0.50% · 4.625%
HK$38,165
+HK$1,911/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,508/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,751
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,988
−HK$1,256/mo
Today · 4.125%
HK$42,244
baseline
▲ 0.50% · 4.625%
HK$44,814
+HK$2,570/mo
Deposit HK$968K · loan HK$8.72M · min. income ≈ HK$84,488/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,223
−HK$2,389/mo
▼ 0.25% · 3.875%
HK$45,409
−HK$1,203/mo
Today · 4.125%
HK$46,612
baseline
▲ 0.50% · 4.625%
HK$49,069
+HK$2,457/mo
Deposit HK$968K · loan HK$8.72M · min. income ≈ HK$93,224/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,487 · 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).