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$22,059
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,745
−HK$697/mo
Today · 4.125%
HK$23,442
baseline
▲ 0.50% · 4.625%
HK$24,869
+HK$1,427/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,884/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,541
−HK$1,325/mo
▼ 0.25% · 3.875%
HK$25,199
−HK$667/mo
Today · 4.125%
HK$25,866
baseline
▲ 0.50% · 4.625%
HK$27,230
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,732/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,471
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,294
−HK$837/mo
Today · 4.125%
HK$28,131
baseline
▲ 0.50% · 4.625%
HK$29,843
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,262/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,449
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,239
−HK$801/mo
Today · 4.125%
HK$31,040
baseline
▲ 0.50% · 4.625%
HK$32,676
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,080/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,883
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,843
−HK$976/mo
Today · 4.125%
HK$32,819
baseline
▲ 0.50% · 4.625%
HK$34,816
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,638/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,357
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,278
−HK$935/mo
Today · 4.125%
HK$36,213
baseline
▲ 0.50% · 4.625%
HK$38,122
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,426/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,707
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,942
−HK$1,254/mo
Today · 4.125%
HK$42,196
baseline
▲ 0.50% · 4.625%
HK$44,764
+HK$2,568/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$84,392/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,399 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,173
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,358
−HK$1,202/mo
Today · 4.125%
HK$46,560
baseline
▲ 0.50% · 4.625%
HK$49,014
+HK$2,454/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$93,120/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,399 · 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).