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$22,101
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,788
−HK$699/mo
Today · 4.125%
HK$23,487
baseline
▲ 0.50% · 4.625%
HK$24,916
+HK$1,429/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,974/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,587
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,246
−HK$669/mo
Today · 4.125%
HK$25,915
baseline
▲ 0.50% · 4.625%
HK$27,281
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,830/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,521
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,346
−HK$838/mo
Today · 4.125%
HK$28,184
baseline
▲ 0.50% · 4.625%
HK$29,899
+HK$1,715/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,368/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,504
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,296
−HK$803/mo
Today · 4.125%
HK$31,099
baseline
▲ 0.50% · 4.625%
HK$32,738
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,198/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,941
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,904
−HK$978/mo
Today · 4.125%
HK$32,882
baseline
▲ 0.50% · 4.625%
HK$34,882
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,764/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,422
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,345
−HK$937/mo
Today · 4.125%
HK$36,282
baseline
▲ 0.50% · 4.625%
HK$38,194
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,564/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,782
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,019
−HK$1,257/mo
Today · 4.125%
HK$42,276
baseline
▲ 0.50% · 4.625%
HK$44,849
+HK$2,573/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,552/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,257
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,444
−HK$1,204/mo
Today · 4.125%
HK$46,648
baseline
▲ 0.50% · 4.625%
HK$49,107
+HK$2,459/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,296/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,230 · 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).