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$22,088
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,776
−HK$698/mo
Today · 4.125%
HK$23,474
baseline
▲ 0.50% · 4.625%
HK$24,902
+HK$1,428/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$46,948/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,573
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,232
−HK$669/mo
Today · 4.125%
HK$25,901
baseline
▲ 0.50% · 4.625%
HK$27,266
+HK$1,365/mo
Deposit HK$4.84M · loan HK$4.84M · min. income ≈ HK$51,802/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$338,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,506
−HK$1,662/mo
▼ 0.25% · 3.875%
HK$27,331
−HK$837/mo
Today · 4.125%
HK$28,168
baseline
▲ 0.50% · 4.625%
HK$29,882
+HK$1,714/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$56,336/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,488
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,279
−HK$802/mo
Today · 4.125%
HK$31,081
baseline
▲ 0.50% · 4.625%
HK$32,719
+HK$1,638/mo
Deposit HK$3.87M · loan HK$5.81M · min. income ≈ HK$62,162/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$338,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,924
−HK$1,939/mo
▼ 0.25% · 3.875%
HK$31,886
−HK$977/mo
Today · 4.125%
HK$32,863
baseline
▲ 0.50% · 4.625%
HK$34,863
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,726/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,403
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$35,325
−HK$936/mo
Today · 4.125%
HK$36,261
baseline
▲ 0.50% · 4.625%
HK$38,173
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,522/mo (50% DSR)
Upfront cash ≈ HK$3.24M (deposit + AVD stamp duty HK$338,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,759
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$40,996
−HK$1,257/mo
Today · 4.125%
HK$42,253
baseline
▲ 0.50% · 4.625%
HK$44,824
+HK$2,571/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,506/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,232
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,418
−HK$1,204/mo
Today · 4.125%
HK$46,622
baseline
▲ 0.50% · 4.625%
HK$49,079
+HK$2,457/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,244/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$338,685 · 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).