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$22,120
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,808
−HK$699/mo
Today · 4.125%
HK$23,507
baseline
▲ 0.50% · 4.625%
HK$24,937
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,014/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,608
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,268
−HK$669/mo
Today · 4.125%
HK$25,937
baseline
▲ 0.50% · 4.625%
HK$27,305
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,874/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,544
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,369
−HK$839/mo
Today · 4.125%
HK$28,208
baseline
▲ 0.50% · 4.625%
HK$29,924
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,416/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,529
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,321
−HK$804/mo
Today · 4.125%
HK$31,125
baseline
▲ 0.50% · 4.625%
HK$32,765
+HK$1,640/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,250/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,967
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,931
−HK$978/mo
Today · 4.125%
HK$32,909
baseline
▲ 0.50% · 4.625%
HK$34,912
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,818/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,451
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,375
−HK$937/mo
Today · 4.125%
HK$36,312
baseline
▲ 0.50% · 4.625%
HK$38,226
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,624/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,815
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,054
−HK$1,258/mo
Today · 4.125%
HK$42,312
baseline
▲ 0.50% · 4.625%
HK$44,887
+HK$2,575/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,624/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,294
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,482
−HK$1,205/mo
Today · 4.125%
HK$46,687
baseline
▲ 0.50% · 4.625%
HK$49,148
+HK$2,461/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,374/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,050 · 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).