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$22,180
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,870
−HK$700/mo
Today · 4.125%
HK$23,570
baseline
▲ 0.50% · 4.625%
HK$25,005
+HK$1,435/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,140/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,675
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,336
−HK$672/mo
Today · 4.125%
HK$26,008
baseline
▲ 0.50% · 4.625%
HK$27,379
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,016/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,616
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,443
−HK$842/mo
Today · 4.125%
HK$28,285
baseline
▲ 0.50% · 4.625%
HK$30,006
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,570/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,609
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,404
−HK$805/mo
Today · 4.125%
HK$31,209
baseline
▲ 0.50% · 4.625%
HK$32,854
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,418/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,051
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,017
−HK$982/mo
Today · 4.125%
HK$32,999
baseline
▲ 0.50% · 4.625%
HK$35,007
+HK$2,008/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,998/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,544
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,471
−HK$940/mo
Today · 4.125%
HK$36,411
baseline
▲ 0.50% · 4.625%
HK$38,330
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,822/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,923
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,165
−HK$1,262/mo
Today · 4.125%
HK$42,427
baseline
▲ 0.50% · 4.625%
HK$45,008
+HK$2,581/mo
Deposit HK$973K · loan HK$8.75M · min. income ≈ HK$84,854/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,414
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,605
−HK$1,209/mo
Today · 4.125%
HK$46,814
baseline
▲ 0.50% · 4.625%
HK$49,281
+HK$2,467/mo
Deposit HK$973K · loan HK$8.75M · min. income ≈ HK$93,628/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,680 · 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).