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$22,172
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,861
−HK$701/mo
Today · 4.125%
HK$23,562
baseline
▲ 0.50% · 4.625%
HK$24,996
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,124/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,666
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,327
−HK$671/mo
Today · 4.125%
HK$25,998
baseline
▲ 0.50% · 4.625%
HK$27,369
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,996/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,606
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,433
−HK$841/mo
Today · 4.125%
HK$28,274
baseline
▲ 0.50% · 4.625%
HK$29,995
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,548/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,599
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,393
−HK$805/mo
Today · 4.125%
HK$31,198
baseline
▲ 0.50% · 4.625%
HK$32,842
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,396/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,040
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,006
−HK$981/mo
Today · 4.125%
HK$32,987
baseline
▲ 0.50% · 4.625%
HK$34,994
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,974/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,532
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,458
−HK$940/mo
Today · 4.125%
HK$36,398
baseline
▲ 0.50% · 4.625%
HK$38,316
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,796/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,909
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,150
−HK$1,261/mo
Today · 4.125%
HK$42,411
baseline
▲ 0.50% · 4.625%
HK$44,992
+HK$2,581/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,822/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,398
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,589
−HK$1,208/mo
Today · 4.125%
HK$46,797
baseline
▲ 0.50% · 4.625%
HK$49,264
+HK$2,467/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,594/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,328 · 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).