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$22,144
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,833
−HK$700/mo
Today · 4.125%
HK$23,533
baseline
▲ 0.50% · 4.625%
HK$24,965
+HK$1,432/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,066/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,635
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,296
−HK$670/mo
Today · 4.125%
HK$25,966
baseline
▲ 0.50% · 4.625%
HK$27,335
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,932/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,573
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,399
−HK$840/mo
Today · 4.125%
HK$28,239
baseline
▲ 0.50% · 4.625%
HK$29,958
+HK$1,719/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$56,478/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,562
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,355
−HK$804/mo
Today · 4.125%
HK$31,159
baseline
▲ 0.50% · 4.625%
HK$32,802
+HK$1,643/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$62,318/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,002
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,966
−HK$980/mo
Today · 4.125%
HK$32,946
baseline
▲ 0.50% · 4.625%
HK$34,950
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,892/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,489
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,414
−HK$938/mo
Today · 4.125%
HK$36,352
baseline
▲ 0.50% · 4.625%
HK$38,269
+HK$1,917/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,704/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,859
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,099
−HK$1,260/mo
Today · 4.125%
HK$42,359
baseline
▲ 0.50% · 4.625%
HK$44,936
+HK$2,577/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,718/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,343
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,532
−HK$1,207/mo
Today · 4.125%
HK$46,739
baseline
▲ 0.50% · 4.625%
HK$49,202
+HK$2,463/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,478/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,122 · 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).