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$22,061
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$22,747
−HK$698/mo
Today · 4.125%
HK$23,445
baseline
▲ 0.50% · 4.625%
HK$24,871
+HK$1,426/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,890/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,543
−HK$1,326/mo
▼ 0.25% · 3.875%
HK$25,201
−HK$668/mo
Today · 4.125%
HK$25,869
baseline
▲ 0.50% · 4.625%
HK$27,232
+HK$1,363/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,738/mo (50% DSR)
Upfront cash ≈ HK$5.17M (deposit + AVD stamp duty HK$337,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,473
−HK$1,661/mo
▼ 0.25% · 3.875%
HK$27,297
−HK$837/mo
Today · 4.125%
HK$28,134
baseline
▲ 0.50% · 4.625%
HK$29,845
+HK$1,711/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$56,268/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,451
−HK$1,592/mo
▼ 0.25% · 3.875%
HK$30,241
−HK$802/mo
Today · 4.125%
HK$31,043
baseline
▲ 0.50% · 4.625%
HK$32,679
+HK$1,636/mo
Deposit HK$3.87M · loan HK$5.80M · min. income ≈ HK$62,086/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$337,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,886
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,846
−HK$977/mo
Today · 4.125%
HK$32,823
baseline
▲ 0.50% · 4.625%
HK$34,820
+HK$1,997/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$65,646/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,360
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,282
−HK$934/mo
Today · 4.125%
HK$36,216
baseline
▲ 0.50% · 4.625%
HK$38,125
+HK$1,909/mo
Deposit HK$2.90M · loan HK$6.77M · min. income ≈ HK$72,432/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$337,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,710
−HK$2,490/mo
▼ 0.25% · 3.875%
HK$40,945
−HK$1,255/mo
Today · 4.125%
HK$42,200
baseline
▲ 0.50% · 4.625%
HK$44,768
+HK$2,568/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$84,400/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,177
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$45,362
−HK$1,202/mo
Today · 4.125%
HK$46,564
baseline
▲ 0.50% · 4.625%
HK$49,018
+HK$2,454/mo
Deposit HK$967K · loan HK$8.71M · min. income ≈ HK$93,128/mo (50% DSR)
Upfront cash ≈ HK$1.30M (deposit + AVD stamp duty HK$337,489 · 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).