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$22,139
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,827
−HK$700/mo
Today · 4.125%
HK$23,527
baseline
▲ 0.50% · 4.625%
HK$24,959
+HK$1,432/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,054/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$340,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,629
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,290
−HK$670/mo
Today · 4.125%
HK$25,960
baseline
▲ 0.50% · 4.625%
HK$27,328
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,920/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$340,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,566
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,393
−HK$839/mo
Today · 4.125%
HK$28,232
baseline
▲ 0.50% · 4.625%
HK$29,950
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$56,464/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,555
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,348
−HK$804/mo
Today · 4.125%
HK$31,152
baseline
▲ 0.50% · 4.625%
HK$32,794
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$62,304/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,994
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,958
−HK$980/mo
Today · 4.125%
HK$32,938
baseline
▲ 0.50% · 4.625%
HK$34,942
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,876/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,481
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,406
−HK$938/mo
Today · 4.125%
HK$36,344
baseline
▲ 0.50% · 4.625%
HK$38,259
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,688/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,850
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,089
−HK$1,260/mo
Today · 4.125%
HK$42,349
baseline
▲ 0.50% · 4.625%
HK$44,925
+HK$2,576/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,698/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,888 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,332
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,521
−HK$1,207/mo
Today · 4.125%
HK$46,728
baseline
▲ 0.50% · 4.625%
HK$49,191
+HK$2,463/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,456/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,888 · 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).