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$22,175
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,865
−HK$701/mo
Today · 4.125%
HK$23,566
baseline
▲ 0.50% · 4.625%
HK$25,000
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,132/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,670
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,331
−HK$671/mo
Today · 4.125%
HK$26,002
baseline
▲ 0.50% · 4.625%
HK$27,373
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,004/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,610
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,438
−HK$841/mo
Today · 4.125%
HK$28,279
baseline
▲ 0.50% · 4.625%
HK$30,000
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,558/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,604
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,398
−HK$805/mo
Today · 4.125%
HK$31,203
baseline
▲ 0.50% · 4.625%
HK$32,848
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,406/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,045
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,011
−HK$981/mo
Today · 4.125%
HK$32,992
baseline
▲ 0.50% · 4.625%
HK$34,999
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,984/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,537
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,464
−HK$939/mo
Today · 4.125%
HK$36,403
baseline
▲ 0.50% · 4.625%
HK$38,322
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,806/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,915
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,157
−HK$1,261/mo
Today · 4.125%
HK$42,418
baseline
▲ 0.50% · 4.625%
HK$44,999
+HK$2,581/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,836/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,405
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,596
−HK$1,208/mo
Today · 4.125%
HK$46,804
baseline
▲ 0.50% · 4.625%
HK$49,272
+HK$2,468/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,608/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,485 · 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).