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$22,107
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,794
−HK$699/mo
Today · 4.125%
HK$23,493
baseline
▲ 0.50% · 4.625%
HK$24,922
+HK$1,429/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,986/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,593
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,253
−HK$669/mo
Today · 4.125%
HK$25,922
baseline
▲ 0.50% · 4.625%
HK$27,288
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,844/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,528
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,353
−HK$838/mo
Today · 4.125%
HK$28,191
baseline
▲ 0.50% · 4.625%
HK$29,907
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,382/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,512
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,303
−HK$803/mo
Today · 4.125%
HK$31,106
baseline
▲ 0.50% · 4.625%
HK$32,746
+HK$1,640/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,212/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,949
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,912
−HK$978/mo
Today · 4.125%
HK$32,890
baseline
▲ 0.50% · 4.625%
HK$34,891
+HK$2,001/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,780/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,431
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,354
−HK$937/mo
Today · 4.125%
HK$36,291
baseline
▲ 0.50% · 4.625%
HK$38,204
+HK$1,913/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,582/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,792
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,030
−HK$1,257/mo
Today · 4.125%
HK$42,287
baseline
▲ 0.50% · 4.625%
HK$44,860
+HK$2,573/mo
Deposit HK$969K · loan HK$8.73M · min. income ≈ HK$84,574/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,268
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,455
−HK$1,205/mo
Today · 4.125%
HK$46,660
baseline
▲ 0.50% · 4.625%
HK$49,119
+HK$2,459/mo
Deposit HK$969K · loan HK$8.73M · min. income ≈ HK$93,320/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,476 · 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).