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$22,168
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,857
−HK$701/mo
Today · 4.125%
HK$23,558
baseline
▲ 0.50% · 4.625%
HK$24,992
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,116/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,662
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,323
−HK$671/mo
Today · 4.125%
HK$25,994
baseline
▲ 0.50% · 4.625%
HK$27,364
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,988/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,602
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,429
−HK$841/mo
Today · 4.125%
HK$28,270
baseline
▲ 0.50% · 4.625%
HK$29,990
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,540/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,594
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,388
−HK$805/mo
Today · 4.125%
HK$31,193
baseline
▲ 0.50% · 4.625%
HK$32,837
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,386/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,035
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,000
−HK$981/mo
Today · 4.125%
HK$32,981
baseline
▲ 0.50% · 4.625%
HK$34,988
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,962/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,526
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,452
−HK$940/mo
Today · 4.125%
HK$36,392
baseline
▲ 0.50% · 4.625%
HK$38,310
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,784/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,902
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,143
−HK$1,261/mo
Today · 4.125%
HK$42,404
baseline
▲ 0.50% · 4.625%
HK$44,985
+HK$2,581/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,808/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,391
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,581
−HK$1,208/mo
Today · 4.125%
HK$46,789
baseline
▲ 0.50% · 4.625%
HK$49,256
+HK$2,467/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,578/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,169 · 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).