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$22,173
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,862
−HK$701/mo
Today · 4.125%
HK$23,563
baseline
▲ 0.50% · 4.625%
HK$24,997
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,126/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,667
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,329
−HK$671/mo
Today · 4.125%
HK$26,000
baseline
▲ 0.50% · 4.625%
HK$27,370
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,000/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,607
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,435
−HK$841/mo
Today · 4.125%
HK$28,276
baseline
▲ 0.50% · 4.625%
HK$29,996
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,552/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,600
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,394
−HK$806/mo
Today · 4.125%
HK$31,200
baseline
▲ 0.50% · 4.625%
HK$32,844
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,400/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,042
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,007
−HK$981/mo
Today · 4.125%
HK$32,988
baseline
▲ 0.50% · 4.625%
HK$34,996
+HK$2,008/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,976/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,534
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,460
−HK$939/mo
Today · 4.125%
HK$36,399
baseline
▲ 0.50% · 4.625%
HK$38,318
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,798/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,911
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,152
−HK$1,262/mo
Today · 4.125%
HK$42,414
baseline
▲ 0.50% · 4.625%
HK$44,994
+HK$2,580/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,828/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,401
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,591
−HK$1,208/mo
Today · 4.125%
HK$46,799
baseline
▲ 0.50% · 4.625%
HK$49,266
+HK$2,467/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,598/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,380 · 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).