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$22,095
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,782
−HK$698/mo
Today · 4.125%
HK$23,480
baseline
▲ 0.50% · 4.625%
HK$24,909
+HK$1,429/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,960/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,580
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,239
−HK$669/mo
Today · 4.125%
HK$25,908
baseline
▲ 0.50% · 4.625%
HK$27,274
+HK$1,366/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,816/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,514
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,338
−HK$838/mo
Today · 4.125%
HK$28,176
baseline
▲ 0.50% · 4.625%
HK$29,891
+HK$1,715/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$56,352/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,496
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,287
−HK$803/mo
Today · 4.125%
HK$31,090
baseline
▲ 0.50% · 4.625%
HK$32,728
+HK$1,638/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$62,180/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,932
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,895
−HK$977/mo
Today · 4.125%
HK$32,872
baseline
▲ 0.50% · 4.625%
HK$34,872
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,744/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,412
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,335
−HK$936/mo
Today · 4.125%
HK$36,271
baseline
▲ 0.50% · 4.625%
HK$38,183
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,542/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$338,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,770
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,007
−HK$1,257/mo
Today · 4.125%
HK$42,264
baseline
▲ 0.50% · 4.625%
HK$44,836
+HK$2,572/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,528/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,244
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,431
−HK$1,203/mo
Today · 4.125%
HK$46,634
baseline
▲ 0.50% · 4.625%
HK$49,093
+HK$2,459/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,268/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,952 · 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).