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$22,163
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,853
−HK$700/mo
Today · 4.125%
HK$23,553
baseline
▲ 0.50% · 4.625%
HK$24,986
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,106/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,656
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,318
−HK$670/mo
Today · 4.125%
HK$25,988
baseline
▲ 0.50% · 4.625%
HK$27,358
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,976/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,596
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,423
−HK$841/mo
Today · 4.125%
HK$28,264
baseline
▲ 0.50% · 4.625%
HK$29,983
+HK$1,719/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,528/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,588
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,381
−HK$805/mo
Today · 4.125%
HK$31,186
baseline
▲ 0.50% · 4.625%
HK$32,830
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,372/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,028
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,994
−HK$980/mo
Today · 4.125%
HK$32,974
baseline
▲ 0.50% · 4.625%
HK$34,981
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$65,948/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,519
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,445
−HK$939/mo
Today · 4.125%
HK$36,384
baseline
▲ 0.50% · 4.625%
HK$38,302
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$72,768/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,894
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,135
−HK$1,260/mo
Today · 4.125%
HK$42,395
baseline
▲ 0.50% · 4.625%
HK$44,975
+HK$2,580/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,790/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,381
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,572
−HK$1,207/mo
Today · 4.125%
HK$46,779
baseline
▲ 0.50% · 4.625%
HK$49,245
+HK$2,466/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,558/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,962 · 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).