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$22,125
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,813
−HK$699/mo
Today · 4.125%
HK$23,512
baseline
▲ 0.50% · 4.625%
HK$24,943
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,024/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,613
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,273
−HK$670/mo
Today · 4.125%
HK$25,943
baseline
▲ 0.50% · 4.625%
HK$27,311
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,886/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,549
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,375
−HK$839/mo
Today · 4.125%
HK$28,214
baseline
▲ 0.50% · 4.625%
HK$29,931
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,428/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,536
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,328
−HK$804/mo
Today · 4.125%
HK$31,132
baseline
▲ 0.50% · 4.625%
HK$32,773
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,264/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,974
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,938
−HK$979/mo
Today · 4.125%
HK$32,917
baseline
▲ 0.50% · 4.625%
HK$34,920
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,834/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,459
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,383
−HK$937/mo
Today · 4.125%
HK$36,320
baseline
▲ 0.50% · 4.625%
HK$38,235
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,640/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,824
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,063
−HK$1,259/mo
Today · 4.125%
HK$42,322
baseline
▲ 0.50% · 4.625%
HK$44,897
+HK$2,575/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,644/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,304
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,492
−HK$1,206/mo
Today · 4.125%
HK$46,698
baseline
▲ 0.50% · 4.625%
HK$49,159
+HK$2,461/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,396/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,266 · 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).