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$22,147
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,836
−HK$700/mo
Today · 4.125%
HK$23,536
baseline
▲ 0.50% · 4.625%
HK$24,968
+HK$1,432/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,072/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,638
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,299
−HK$670/mo
Today · 4.125%
HK$25,969
baseline
▲ 0.50% · 4.625%
HK$27,338
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,938/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,576
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,403
−HK$840/mo
Today · 4.125%
HK$28,243
baseline
▲ 0.50% · 4.625%
HK$29,961
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$56,486/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,566
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,359
−HK$804/mo
Today · 4.125%
HK$31,163
baseline
▲ 0.50% · 4.625%
HK$32,806
+HK$1,643/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$62,326/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,005
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,970
−HK$980/mo
Today · 4.125%
HK$32,950
baseline
▲ 0.50% · 4.625%
HK$34,955
+HK$2,005/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,900/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,493
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,418
−HK$939/mo
Today · 4.125%
HK$36,357
baseline
▲ 0.50% · 4.625%
HK$38,273
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,714/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,864
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,104
−HK$1,260/mo
Today · 4.125%
HK$42,364
baseline
▲ 0.50% · 4.625%
HK$44,942
+HK$2,578/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,728/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,349
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,538
−HK$1,207/mo
Today · 4.125%
HK$46,745
baseline
▲ 0.50% · 4.625%
HK$49,209
+HK$2,464/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,490/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,241 · 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).