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$22,157
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,846
−HK$700/mo
Today · 4.125%
HK$23,546
baseline
▲ 0.50% · 4.625%
HK$24,979
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,092/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,649
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,310
−HK$671/mo
Today · 4.125%
HK$25,981
baseline
▲ 0.50% · 4.625%
HK$27,350
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,962/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,588
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,415
−HK$840/mo
Today · 4.125%
HK$28,255
baseline
▲ 0.50% · 4.625%
HK$29,974
+HK$1,719/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,510/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,579
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,372
−HK$805/mo
Today · 4.125%
HK$31,177
baseline
▲ 0.50% · 4.625%
HK$32,820
+HK$1,643/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,354/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,019
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,984
−HK$980/mo
Today · 4.125%
HK$32,964
baseline
▲ 0.50% · 4.625%
HK$34,970
+HK$2,006/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$65,928/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,509
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,434
−HK$939/mo
Today · 4.125%
HK$36,373
baseline
▲ 0.50% · 4.625%
HK$38,290
+HK$1,917/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$72,746/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,882
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,122
−HK$1,261/mo
Today · 4.125%
HK$42,383
baseline
▲ 0.50% · 4.625%
HK$44,962
+HK$2,579/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,766/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,368
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,558
−HK$1,207/mo
Today · 4.125%
HK$46,765
baseline
▲ 0.50% · 4.625%
HK$49,230
+HK$2,465/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,530/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,670 · 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).