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$22,165
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,855
−HK$700/mo
Today · 4.125%
HK$23,555
baseline
▲ 0.50% · 4.625%
HK$24,989
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,110/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,659
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,320
−HK$671/mo
Today · 4.125%
HK$25,991
baseline
▲ 0.50% · 4.625%
HK$27,361
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,982/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,599
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,426
−HK$840/mo
Today · 4.125%
HK$28,266
baseline
▲ 0.50% · 4.625%
HK$29,986
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,532/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,591
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,384
−HK$805/mo
Today · 4.125%
HK$31,189
baseline
▲ 0.50% · 4.625%
HK$32,833
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,378/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,032
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,997
−HK$981/mo
Today · 4.125%
HK$32,978
baseline
▲ 0.50% · 4.625%
HK$34,984
+HK$2,006/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$65,956/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,522
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,448
−HK$939/mo
Today · 4.125%
HK$36,387
baseline
▲ 0.50% · 4.625%
HK$38,306
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$72,774/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,898
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,139
−HK$1,261/mo
Today · 4.125%
HK$42,400
baseline
▲ 0.50% · 4.625%
HK$44,980
+HK$2,580/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,800/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,386
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,576
−HK$1,208/mo
Today · 4.125%
HK$46,784
baseline
▲ 0.50% · 4.625%
HK$49,250
+HK$2,466/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,568/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,059 · 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).