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$22,144
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,833
−HK$699/mo
Today · 4.125%
HK$23,532
baseline
▲ 0.50% · 4.625%
HK$24,964
+HK$1,432/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,064/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,635
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,295
−HK$671/mo
Today · 4.125%
HK$25,966
baseline
▲ 0.50% · 4.625%
HK$27,334
+HK$1,368/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,932/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,573
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,399
−HK$840/mo
Today · 4.125%
HK$28,239
baseline
▲ 0.50% · 4.625%
HK$29,957
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$56,478/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,562
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,354
−HK$805/mo
Today · 4.125%
HK$31,159
baseline
▲ 0.50% · 4.625%
HK$32,801
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$62,318/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,001
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,966
−HK$979/mo
Today · 4.125%
HK$32,945
baseline
▲ 0.50% · 4.625%
HK$34,950
+HK$2,005/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,890/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,489
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,414
−HK$938/mo
Today · 4.125%
HK$36,352
baseline
▲ 0.50% · 4.625%
HK$38,268
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,704/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,859
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,099
−HK$1,259/mo
Today · 4.125%
HK$42,358
baseline
▲ 0.50% · 4.625%
HK$44,936
+HK$2,578/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,716/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,342
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,532
−HK$1,206/mo
Today · 4.125%
HK$46,738
baseline
▲ 0.50% · 4.625%
HK$49,202
+HK$2,464/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,476/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,109 · 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).