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$22,097
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$22,784
−HK$698/mo
Today · 4.125%
HK$23,482
baseline
▲ 0.50% · 4.625%
HK$24,911
+HK$1,429/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,964/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$339,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,582
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,241
−HK$669/mo
Today · 4.125%
HK$25,910
baseline
▲ 0.50% · 4.625%
HK$27,276
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,820/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$339,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,516
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,341
−HK$838/mo
Today · 4.125%
HK$28,179
baseline
▲ 0.50% · 4.625%
HK$29,893
+HK$1,714/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$56,358/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,499
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,290
−HK$802/mo
Today · 4.125%
HK$31,092
baseline
▲ 0.50% · 4.625%
HK$32,731
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$62,184/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,935
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,897
−HK$978/mo
Today · 4.125%
HK$32,875
baseline
▲ 0.50% · 4.625%
HK$34,875
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,750/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,415
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$35,338
−HK$936/mo
Today · 4.125%
HK$36,274
baseline
▲ 0.50% · 4.625%
HK$38,187
+HK$1,913/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,548/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,774
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,011
−HK$1,257/mo
Today · 4.125%
HK$42,268
baseline
▲ 0.50% · 4.625%
HK$44,840
+HK$2,572/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,536/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,248
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,435
−HK$1,204/mo
Today · 4.125%
HK$46,639
baseline
▲ 0.50% · 4.625%
HK$49,097
+HK$2,458/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,278/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,039 · 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).