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$22,104
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,791
−HK$699/mo
Today · 4.125%
HK$23,490
baseline
▲ 0.50% · 4.625%
HK$24,919
+HK$1,429/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,980/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,590
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,249
−HK$670/mo
Today · 4.125%
HK$25,919
baseline
▲ 0.50% · 4.625%
HK$27,285
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,838/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,524
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,349
−HK$839/mo
Today · 4.125%
HK$28,188
baseline
▲ 0.50% · 4.625%
HK$29,903
+HK$1,715/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,376/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,508
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,299
−HK$803/mo
Today · 4.125%
HK$31,102
baseline
▲ 0.50% · 4.625%
HK$32,742
+HK$1,640/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,204/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,945
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,908
−HK$978/mo
Today · 4.125%
HK$32,886
baseline
▲ 0.50% · 4.625%
HK$34,887
+HK$2,001/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,772/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,426
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,349
−HK$937/mo
Today · 4.125%
HK$36,286
baseline
▲ 0.50% · 4.625%
HK$38,199
+HK$1,913/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,572/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,786
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,024
−HK$1,257/mo
Today · 4.125%
HK$42,281
baseline
▲ 0.50% · 4.625%
HK$44,854
+HK$2,573/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,562/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,262
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,449
−HK$1,204/mo
Today · 4.125%
HK$46,653
baseline
▲ 0.50% · 4.625%
HK$49,112
+HK$2,459/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,306/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,346 · 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).