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$22,108
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,796
−HK$698/mo
Today · 4.125%
HK$23,494
baseline
▲ 0.50% · 4.625%
HK$24,924
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,988/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,595
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,254
−HK$670/mo
Today · 4.125%
HK$25,924
baseline
▲ 0.50% · 4.625%
HK$27,290
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,848/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,529
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,355
−HK$838/mo
Today · 4.125%
HK$28,193
baseline
▲ 0.50% · 4.625%
HK$29,909
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,386/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,514
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,305
−HK$803/mo
Today · 4.125%
HK$31,108
baseline
▲ 0.50% · 4.625%
HK$32,748
+HK$1,640/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,216/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,951
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,914
−HK$978/mo
Today · 4.125%
HK$32,892
baseline
▲ 0.50% · 4.625%
HK$34,893
+HK$2,001/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,784/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,433
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,356
−HK$937/mo
Today · 4.125%
HK$36,293
baseline
▲ 0.50% · 4.625%
HK$38,206
+HK$1,913/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,586/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,794
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,032
−HK$1,258/mo
Today · 4.125%
HK$42,290
baseline
▲ 0.50% · 4.625%
HK$44,863
+HK$2,573/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,580/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,271
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,458
−HK$1,204/mo
Today · 4.125%
HK$46,662
baseline
▲ 0.50% · 4.625%
HK$49,122
+HK$2,460/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,324/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,536 · 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).