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$22,057
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$22,743
−HK$697/mo
Today · 4.125%
HK$23,440
baseline
▲ 0.50% · 4.625%
HK$24,866
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,880/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,538
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,196
−HK$668/mo
Today · 4.125%
HK$25,864
baseline
▲ 0.50% · 4.625%
HK$27,227
+HK$1,363/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,728/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,468
−HK$1,660/mo
▼ 0.25% · 3.875%
HK$27,292
−HK$836/mo
Today · 4.125%
HK$28,128
baseline
▲ 0.50% · 4.625%
HK$29,840
+HK$1,712/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,256/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,446
−HK$1,591/mo
▼ 0.25% · 3.875%
HK$30,236
−HK$801/mo
Today · 4.125%
HK$31,037
baseline
▲ 0.50% · 4.625%
HK$32,673
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,074/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,880
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,840
−HK$976/mo
Today · 4.125%
HK$32,816
baseline
▲ 0.50% · 4.625%
HK$34,813
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,632/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,353
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,275
−HK$934/mo
Today · 4.125%
HK$36,209
baseline
▲ 0.50% · 4.625%
HK$38,118
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,418/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,703
−HK$2,489/mo
▼ 0.25% · 3.875%
HK$40,938
−HK$1,254/mo
Today · 4.125%
HK$42,192
baseline
▲ 0.50% · 4.625%
HK$44,760
+HK$2,568/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$84,384/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,169
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$45,353
−HK$1,202/mo
Today · 4.125%
HK$46,555
baseline
▲ 0.50% · 4.625%
HK$49,009
+HK$2,454/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$93,110/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,303 · 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).