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$22,096
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,783
−HK$698/mo
Today · 4.125%
HK$23,481
baseline
▲ 0.50% · 4.625%
HK$24,910
+HK$1,429/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,962/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,581
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,240
−HK$669/mo
Today · 4.125%
HK$25,909
baseline
▲ 0.50% · 4.625%
HK$27,275
+HK$1,366/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,818/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,515
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,339
−HK$838/mo
Today · 4.125%
HK$28,177
baseline
▲ 0.50% · 4.625%
HK$29,892
+HK$1,715/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$56,354/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,497
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$803/mo
Today · 4.125%
HK$31,091
baseline
▲ 0.50% · 4.625%
HK$32,730
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$62,182/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,934
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,896
−HK$978/mo
Today · 4.125%
HK$32,874
baseline
▲ 0.50% · 4.625%
HK$34,874
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,748/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,414
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,336
−HK$937/mo
Today · 4.125%
HK$36,273
baseline
▲ 0.50% · 4.625%
HK$38,185
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,546/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,772
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,009
−HK$1,257/mo
Today · 4.125%
HK$42,266
baseline
▲ 0.50% · 4.625%
HK$44,838
+HK$2,572/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,532/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,246
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,433
−HK$1,203/mo
Today · 4.125%
HK$46,636
baseline
▲ 0.50% · 4.625%
HK$49,095
+HK$2,459/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,272/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,995 · 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).