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$1,391/mo
▼ 0.25% · 3.875%
HK$22,870
−HK$701/mo
Today · 4.125%
HK$23,571
baseline
▲ 0.50% · 4.625%
HK$25,006
+HK$1,435/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,142/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,675
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,337
−HK$672/mo
Today · 4.125%
HK$26,009
baseline
▲ 0.50% · 4.625%
HK$27,380
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,018/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,616
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,444
−HK$842/mo
Today · 4.125%
HK$28,286
baseline
▲ 0.50% · 4.625%
HK$30,007
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,572/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,611
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,405
−HK$805/mo
Today · 4.125%
HK$31,210
baseline
▲ 0.50% · 4.625%
HK$32,855
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,420/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,053
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,018
−HK$982/mo
Today · 4.125%
HK$33,000
baseline
▲ 0.50% · 4.625%
HK$35,008
+HK$2,008/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,000/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,546
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,472
−HK$940/mo
Today · 4.125%
HK$36,412
baseline
▲ 0.50% · 4.625%
HK$38,331
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,824/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,925
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,167
−HK$1,261/mo
Today · 4.125%
HK$42,428
baseline
▲ 0.50% · 4.625%
HK$45,010
+HK$2,582/mo
Deposit HK$973K · loan HK$8.75M · min. income ≈ HK$84,856/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,416
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,607
−HK$1,208/mo
Today · 4.125%
HK$46,815
baseline
▲ 0.50% · 4.625%
HK$49,283
+HK$2,468/mo
Deposit HK$973K · loan HK$8.75M · min. income ≈ HK$93,630/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,715 · 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).