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$22,156
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,845
−HK$700/mo
Today · 4.125%
HK$23,545
baseline
▲ 0.50% · 4.625%
HK$24,978
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,090/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,648
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,309
−HK$671/mo
Today · 4.125%
HK$25,980
baseline
▲ 0.50% · 4.625%
HK$27,349
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,960/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,587
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,414
−HK$840/mo
Today · 4.125%
HK$28,254
baseline
▲ 0.50% · 4.625%
HK$29,974
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,508/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,578
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,371
−HK$805/mo
Today · 4.125%
HK$31,176
baseline
▲ 0.50% · 4.625%
HK$32,819
+HK$1,643/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,352/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,018
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,983
−HK$981/mo
Today · 4.125%
HK$32,964
baseline
▲ 0.50% · 4.625%
HK$34,969
+HK$2,005/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,928/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,508
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,433
−HK$939/mo
Today · 4.125%
HK$36,372
baseline
▲ 0.50% · 4.625%
HK$38,289
+HK$1,917/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,744/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,881
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,121
−HK$1,261/mo
Today · 4.125%
HK$42,382
baseline
▲ 0.50% · 4.625%
HK$44,960
+HK$2,578/mo
Deposit HK$972K · loan HK$8.74M · min. income ≈ HK$84,764/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,367
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,557
−HK$1,207/mo
Today · 4.125%
HK$46,764
baseline
▲ 0.50% · 4.625%
HK$49,229
+HK$2,465/mo
Deposit HK$972K · loan HK$8.74M · min. income ≈ HK$93,528/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,645 · 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).