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$22,162
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,852
−HK$700/mo
Today · 4.125%
HK$23,552
baseline
▲ 0.50% · 4.625%
HK$24,985
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,104/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,655
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,317
−HK$671/mo
Today · 4.125%
HK$25,988
baseline
▲ 0.50% · 4.625%
HK$27,357
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,976/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,595
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,422
−HK$841/mo
Today · 4.125%
HK$28,263
baseline
▲ 0.50% · 4.625%
HK$29,982
+HK$1,719/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,526/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,587
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,380
−HK$805/mo
Today · 4.125%
HK$31,185
baseline
▲ 0.50% · 4.625%
HK$32,829
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,370/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,027
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,993
−HK$980/mo
Today · 4.125%
HK$32,973
baseline
▲ 0.50% · 4.625%
HK$34,979
+HK$2,006/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$65,946/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,518
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,443
−HK$940/mo
Today · 4.125%
HK$36,383
baseline
▲ 0.50% · 4.625%
HK$38,300
+HK$1,917/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$72,766/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,892
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,133
−HK$1,261/mo
Today · 4.125%
HK$42,394
baseline
▲ 0.50% · 4.625%
HK$44,974
+HK$2,580/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,788/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,380
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,570
−HK$1,208/mo
Today · 4.125%
HK$46,778
baseline
▲ 0.50% · 4.625%
HK$49,243
+HK$2,465/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,556/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,927 · 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).