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$22,171
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,860
−HK$701/mo
Today · 4.125%
HK$23,561
baseline
▲ 0.50% · 4.625%
HK$24,995
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,122/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,665
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,326
−HK$671/mo
Today · 4.125%
HK$25,997
baseline
▲ 0.50% · 4.625%
HK$27,367
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,994/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,605
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,432
−HK$841/mo
Today · 4.125%
HK$28,273
baseline
▲ 0.50% · 4.625%
HK$29,993
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,546/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,598
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,391
−HK$806/mo
Today · 4.125%
HK$31,197
baseline
▲ 0.50% · 4.625%
HK$32,841
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,394/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,039
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,004
−HK$981/mo
Today · 4.125%
HK$32,985
baseline
▲ 0.50% · 4.625%
HK$34,992
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,970/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,530
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,457
−HK$939/mo
Today · 4.125%
HK$36,396
baseline
▲ 0.50% · 4.625%
HK$38,314
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,792/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,907
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,148
−HK$1,262/mo
Today · 4.125%
HK$42,410
baseline
▲ 0.50% · 4.625%
HK$44,990
+HK$2,580/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,820/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,396
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,587
−HK$1,208/mo
Today · 4.125%
HK$46,795
baseline
▲ 0.50% · 4.625%
HK$49,261
+HK$2,466/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,590/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,287 · 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).