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$22,118
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,806
−HK$699/mo
Today · 4.125%
HK$23,505
baseline
▲ 0.50% · 4.625%
HK$24,935
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,010/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,606
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,266
−HK$669/mo
Today · 4.125%
HK$25,935
baseline
▲ 0.50% · 4.625%
HK$27,303
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,870/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,542
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,367
−HK$839/mo
Today · 4.125%
HK$28,206
baseline
▲ 0.50% · 4.625%
HK$29,922
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,412/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,527
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,319
−HK$804/mo
Today · 4.125%
HK$31,123
baseline
▲ 0.50% · 4.625%
HK$32,763
+HK$1,640/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,246/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,965
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,928
−HK$979/mo
Today · 4.125%
HK$32,907
baseline
▲ 0.50% · 4.625%
HK$34,909
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,814/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,449
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,372
−HK$938/mo
Today · 4.125%
HK$36,310
baseline
▲ 0.50% · 4.625%
HK$38,224
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,620/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,812
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,051
−HK$1,258/mo
Today · 4.125%
HK$42,309
baseline
▲ 0.50% · 4.625%
HK$44,883
+HK$2,574/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,618/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,291
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,479
−HK$1,205/mo
Today · 4.125%
HK$46,684
baseline
▲ 0.50% · 4.625%
HK$49,145
+HK$2,461/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,368/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,980 · 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).