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$22,148
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,837
−HK$700/mo
Today · 4.125%
HK$23,537
baseline
▲ 0.50% · 4.625%
HK$24,969
+HK$1,432/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,074/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,639
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,300
−HK$670/mo
Today · 4.125%
HK$25,970
baseline
▲ 0.50% · 4.625%
HK$27,339
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,940/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,577
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,404
−HK$840/mo
Today · 4.125%
HK$28,244
baseline
▲ 0.50% · 4.625%
HK$29,963
+HK$1,719/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,488/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,567
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,360
−HK$805/mo
Today · 4.125%
HK$31,165
baseline
▲ 0.50% · 4.625%
HK$32,807
+HK$1,642/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,330/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,007
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,972
−HK$979/mo
Today · 4.125%
HK$32,951
baseline
▲ 0.50% · 4.625%
HK$34,956
+HK$2,005/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,902/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,495
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,420
−HK$939/mo
Today · 4.125%
HK$36,359
baseline
▲ 0.50% · 4.625%
HK$38,275
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,718/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,866
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,106
−HK$1,260/mo
Today · 4.125%
HK$42,366
baseline
▲ 0.50% · 4.625%
HK$44,944
+HK$2,578/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,732/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,351
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,540
−HK$1,207/mo
Today · 4.125%
HK$46,747
baseline
▲ 0.50% · 4.625%
HK$49,211
+HK$2,464/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,494/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,289 · 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).