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$22,142
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,830
−HK$700/mo
Today · 4.125%
HK$23,530
baseline
▲ 0.50% · 4.625%
HK$24,962
+HK$1,432/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,060/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,632
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,293
−HK$670/mo
Today · 4.125%
HK$25,963
baseline
▲ 0.50% · 4.625%
HK$27,332
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,926/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,570
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,397
−HK$839/mo
Today · 4.125%
HK$28,236
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$56,472/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,559
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,352
−HK$804/mo
Today · 4.125%
HK$31,156
baseline
▲ 0.50% · 4.625%
HK$32,798
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$62,312/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,998
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,963
−HK$979/mo
Today · 4.125%
HK$32,942
baseline
▲ 0.50% · 4.625%
HK$34,947
+HK$2,005/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,884/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,485
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,410
−HK$939/mo
Today · 4.125%
HK$36,349
baseline
▲ 0.50% · 4.625%
HK$38,265
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,698/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,855
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,095
−HK$1,259/mo
Today · 4.125%
HK$42,354
baseline
▲ 0.50% · 4.625%
HK$44,932
+HK$2,578/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,708/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,338
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,528
−HK$1,206/mo
Today · 4.125%
HK$46,734
baseline
▲ 0.50% · 4.625%
HK$49,197
+HK$2,463/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,468/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,021 · 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).