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$22,183
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,873
−HK$702/mo
Today · 4.125%
HK$23,575
baseline
▲ 0.50% · 4.625%
HK$25,009
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,150/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,679
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,341
−HK$671/mo
Today · 4.125%
HK$26,012
baseline
▲ 0.50% · 4.625%
HK$27,383
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,024/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,620
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,448
−HK$841/mo
Today · 4.125%
HK$28,289
baseline
▲ 0.50% · 4.625%
HK$30,011
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,578/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,615
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,409
−HK$806/mo
Today · 4.125%
HK$31,215
baseline
▲ 0.50% · 4.625%
HK$32,860
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,430/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,057
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,023
−HK$981/mo
Today · 4.125%
HK$33,004
baseline
▲ 0.50% · 4.625%
HK$35,013
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,008/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,550
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,477
−HK$940/mo
Today · 4.125%
HK$36,417
baseline
▲ 0.50% · 4.625%
HK$38,337
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,834/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,930
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,172
−HK$1,262/mo
Today · 4.125%
HK$42,434
baseline
▲ 0.50% · 4.625%
HK$45,016
+HK$2,582/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,868/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,422
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,613
−HK$1,209/mo
Today · 4.125%
HK$46,822
baseline
▲ 0.50% · 4.625%
HK$49,290
+HK$2,468/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,644/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,850 · 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).