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$22,130
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,819
−HK$699/mo
Today · 4.125%
HK$23,518
baseline
▲ 0.50% · 4.625%
HK$24,949
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,036/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,620
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,280
−HK$670/mo
Today · 4.125%
HK$25,950
baseline
▲ 0.50% · 4.625%
HK$27,318
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,900/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,556
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,382
−HK$840/mo
Today · 4.125%
HK$28,222
baseline
▲ 0.50% · 4.625%
HK$29,939
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,444/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,544
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,336
−HK$804/mo
Today · 4.125%
HK$31,140
baseline
▲ 0.50% · 4.625%
HK$32,781
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,280/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,982
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,946
−HK$979/mo
Today · 4.125%
HK$32,925
baseline
▲ 0.50% · 4.625%
HK$34,929
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,850/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,468
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,392
−HK$938/mo
Today · 4.125%
HK$36,330
baseline
▲ 0.50% · 4.625%
HK$38,245
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,660/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,835
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,074
−HK$1,259/mo
Today · 4.125%
HK$42,333
baseline
▲ 0.50% · 4.625%
HK$44,908
+HK$2,575/mo
Deposit HK$971K · loan HK$8.73M · min. income ≈ HK$84,666/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,316
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,504
−HK$1,206/mo
Today · 4.125%
HK$46,710
baseline
▲ 0.50% · 4.625%
HK$49,172
+HK$2,462/mo
Deposit HK$971K · loan HK$8.73M · min. income ≈ HK$93,420/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,519 · 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).