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$22,130
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,818
−HK$699/mo
Today · 4.125%
HK$23,517
baseline
▲ 0.50% · 4.625%
HK$24,948
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,034/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,619
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,279
−HK$670/mo
Today · 4.125%
HK$25,949
baseline
▲ 0.50% · 4.625%
HK$27,317
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,898/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,556
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,382
−HK$839/mo
Today · 4.125%
HK$28,221
baseline
▲ 0.50% · 4.625%
HK$29,938
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,442/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,543
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,335
−HK$804/mo
Today · 4.125%
HK$31,139
baseline
▲ 0.50% · 4.625%
HK$32,780
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,278/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,982
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,945
−HK$979/mo
Today · 4.125%
HK$32,924
baseline
▲ 0.50% · 4.625%
HK$34,928
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,848/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,467
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,391
−HK$938/mo
Today · 4.125%
HK$36,329
baseline
▲ 0.50% · 4.625%
HK$38,244
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,658/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,834
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,073
−HK$1,258/mo
Today · 4.125%
HK$42,331
baseline
▲ 0.50% · 4.625%
HK$44,907
+HK$2,576/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,662/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,314
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,503
−HK$1,206/mo
Today · 4.125%
HK$46,709
baseline
▲ 0.50% · 4.625%
HK$49,171
+HK$2,462/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,418/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,495 · 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).