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$22,086
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,773
−HK$698/mo
Today · 4.125%
HK$23,471
baseline
▲ 0.50% · 4.625%
HK$24,899
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,942/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,570
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,229
−HK$669/mo
Today · 4.125%
HK$25,898
baseline
▲ 0.50% · 4.625%
HK$27,263
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,796/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,503
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,327
−HK$838/mo
Today · 4.125%
HK$28,165
baseline
▲ 0.50% · 4.625%
HK$29,879
+HK$1,714/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,330/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,484
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,275
−HK$802/mo
Today · 4.125%
HK$31,077
baseline
▲ 0.50% · 4.625%
HK$32,715
+HK$1,638/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,154/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,920
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,882
−HK$977/mo
Today · 4.125%
HK$32,859
baseline
▲ 0.50% · 4.625%
HK$34,858
+HK$1,999/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,718/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,398
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,321
−HK$936/mo
Today · 4.125%
HK$36,257
baseline
▲ 0.50% · 4.625%
HK$38,168
+HK$1,911/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,514/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,754
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$40,991
−HK$1,256/mo
Today · 4.125%
HK$42,247
baseline
▲ 0.50% · 4.625%
HK$44,818
+HK$2,571/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,494/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,226
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,412
−HK$1,204/mo
Today · 4.125%
HK$46,616
baseline
▲ 0.50% · 4.625%
HK$49,073
+HK$2,457/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,232/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,562 · 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).