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$22,073
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,760
−HK$697/mo
Today · 4.125%
HK$23,457
baseline
▲ 0.50% · 4.625%
HK$24,885
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,914/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,556
−HK$1,327/mo
▼ 0.25% · 3.875%
HK$25,215
−HK$668/mo
Today · 4.125%
HK$25,883
baseline
▲ 0.50% · 4.625%
HK$27,247
+HK$1,364/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,766/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,488
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,312
−HK$837/mo
Today · 4.125%
HK$28,149
baseline
▲ 0.50% · 4.625%
HK$29,862
+HK$1,713/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,298/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,467
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,258
−HK$801/mo
Today · 4.125%
HK$31,059
baseline
▲ 0.50% · 4.625%
HK$32,697
+HK$1,638/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,118/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,902
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,864
−HK$976/mo
Today · 4.125%
HK$32,840
baseline
▲ 0.50% · 4.625%
HK$34,838
+HK$1,998/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$65,680/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,379
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,301
−HK$935/mo
Today · 4.125%
HK$36,236
baseline
▲ 0.50% · 4.625%
HK$38,146
+HK$1,910/mo
Deposit HK$2.90M · loan HK$6.78M · min. income ≈ HK$72,472/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,732
−HK$2,491/mo
▼ 0.25% · 3.875%
HK$40,968
−HK$1,255/mo
Today · 4.125%
HK$42,223
baseline
▲ 0.50% · 4.625%
HK$44,792
+HK$2,569/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$84,446/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,201
−HK$2,388/mo
▼ 0.25% · 3.875%
HK$45,387
−HK$1,202/mo
Today · 4.125%
HK$46,589
baseline
▲ 0.50% · 4.625%
HK$49,045
+HK$2,456/mo
Deposit HK$968K · loan HK$8.71M · min. income ≈ HK$93,178/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,011 · 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).