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$22,125
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,813
−HK$700/mo
Today · 4.125%
HK$23,513
baseline
▲ 0.50% · 4.625%
HK$24,943
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,026/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,614
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,274
−HK$670/mo
Today · 4.125%
HK$25,944
baseline
▲ 0.50% · 4.625%
HK$27,311
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,888/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,550
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,376
−HK$839/mo
Today · 4.125%
HK$28,215
baseline
▲ 0.50% · 4.625%
HK$29,932
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,430/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,537
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,329
−HK$804/mo
Today · 4.125%
HK$31,133
baseline
▲ 0.50% · 4.625%
HK$32,774
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,266/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,975
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,939
−HK$979/mo
Today · 4.125%
HK$32,918
baseline
▲ 0.50% · 4.625%
HK$34,921
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,836/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,460
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,384
−HK$937/mo
Today · 4.125%
HK$36,321
baseline
▲ 0.50% · 4.625%
HK$38,236
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,642/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,825
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,064
−HK$1,259/mo
Today · 4.125%
HK$42,323
baseline
▲ 0.50% · 4.625%
HK$44,898
+HK$2,575/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,646/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,305
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,494
−HK$1,205/mo
Today · 4.125%
HK$46,699
baseline
▲ 0.50% · 4.625%
HK$49,161
+HK$2,462/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,398/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,294 · 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).