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$22,171
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,861
−HK$700/mo
Today · 4.125%
HK$23,561
baseline
▲ 0.50% · 4.625%
HK$24,995
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,122/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,665
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,327
−HK$671/mo
Today · 4.125%
HK$25,998
baseline
▲ 0.50% · 4.625%
HK$27,368
+HK$1,370/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$342,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,605
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,433
−HK$841/mo
Today · 4.125%
HK$28,274
baseline
▲ 0.50% · 4.625%
HK$29,994
+HK$1,720/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$342,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,598
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,392
−HK$805/mo
Today · 4.125%
HK$31,197
baseline
▲ 0.50% · 4.625%
HK$32,842
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,394/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,040
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,005
−HK$981/mo
Today · 4.125%
HK$32,986
baseline
▲ 0.50% · 4.625%
HK$34,993
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,972/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,531
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,457
−HK$940/mo
Today · 4.125%
HK$36,397
baseline
▲ 0.50% · 4.625%
HK$38,315
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,794/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,908
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,149
−HK$1,262/mo
Today · 4.125%
HK$42,411
baseline
▲ 0.50% · 4.625%
HK$44,991
+HK$2,580/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$342,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,397
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,588
−HK$1,208/mo
Today · 4.125%
HK$46,796
baseline
▲ 0.50% · 4.625%
HK$49,262
+HK$2,466/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,592/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,307 · 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).