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$22,111
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,799
−HK$699/mo
Today · 4.125%
HK$23,498
baseline
▲ 0.50% · 4.625%
HK$24,928
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,996/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,598
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,258
−HK$669/mo
Today · 4.125%
HK$25,927
baseline
▲ 0.50% · 4.625%
HK$27,294
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,854/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,533
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,359
−HK$838/mo
Today · 4.125%
HK$28,197
baseline
▲ 0.50% · 4.625%
HK$29,913
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,394/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,518
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,310
−HK$803/mo
Today · 4.125%
HK$31,113
baseline
▲ 0.50% · 4.625%
HK$32,753
+HK$1,640/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,226/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,956
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,919
−HK$978/mo
Today · 4.125%
HK$32,897
baseline
▲ 0.50% · 4.625%
HK$34,899
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,794/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,438
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,361
−HK$937/mo
Today · 4.125%
HK$36,298
baseline
▲ 0.50% · 4.625%
HK$38,212
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,596/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,800
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,038
−HK$1,258/mo
Today · 4.125%
HK$42,296
baseline
▲ 0.50% · 4.625%
HK$44,870
+HK$2,574/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,592/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,277
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,465
−HK$1,204/mo
Today · 4.125%
HK$46,669
baseline
▲ 0.50% · 4.625%
HK$49,129
+HK$2,460/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,338/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,680 · 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).