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$22,174
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,864
−HK$701/mo
Today · 4.125%
HK$23,565
baseline
▲ 0.50% · 4.625%
HK$24,999
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,130/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,669
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,330
−HK$671/mo
Today · 4.125%
HK$26,001
baseline
▲ 0.50% · 4.625%
HK$27,372
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,002/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,609
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,437
−HK$841/mo
Today · 4.125%
HK$28,278
baseline
▲ 0.50% · 4.625%
HK$29,998
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,556/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,602
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,396
−HK$806/mo
Today · 4.125%
HK$31,202
baseline
▲ 0.50% · 4.625%
HK$32,846
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,404/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,044
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,009
−HK$982/mo
Today · 4.125%
HK$32,991
baseline
▲ 0.50% · 4.625%
HK$34,998
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,982/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,536
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,462
−HK$940/mo
Today · 4.125%
HK$36,402
baseline
▲ 0.50% · 4.625%
HK$38,321
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,804/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,914
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,155
−HK$1,261/mo
Today · 4.125%
HK$42,416
baseline
▲ 0.50% · 4.625%
HK$44,997
+HK$2,581/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,832/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,403
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,594
−HK$1,208/mo
Today · 4.125%
HK$46,802
baseline
▲ 0.50% · 4.625%
HK$49,269
+HK$2,467/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,604/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,443 · 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).