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$22,185
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,875
−HK$701/mo
Today · 4.125%
HK$23,576
baseline
▲ 0.50% · 4.625%
HK$25,011
+HK$1,435/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,152/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,680
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,342
−HK$672/mo
Today · 4.125%
HK$26,014
baseline
▲ 0.50% · 4.625%
HK$27,385
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,028/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,622
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,450
−HK$841/mo
Today · 4.125%
HK$28,291
baseline
▲ 0.50% · 4.625%
HK$30,013
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,582/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,616
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,411
−HK$806/mo
Today · 4.125%
HK$31,217
baseline
▲ 0.50% · 4.625%
HK$32,862
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,434/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,059
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,025
−HK$981/mo
Today · 4.125%
HK$33,006
baseline
▲ 0.50% · 4.625%
HK$35,015
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,012/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,552
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,479
−HK$940/mo
Today · 4.125%
HK$36,419
baseline
▲ 0.50% · 4.625%
HK$38,339
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,838/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,933
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,175
−HK$1,262/mo
Today · 4.125%
HK$42,437
baseline
▲ 0.50% · 4.625%
HK$45,019
+HK$2,582/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,874/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,425
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,616
−HK$1,209/mo
Today · 4.125%
HK$46,825
baseline
▲ 0.50% · 4.625%
HK$49,293
+HK$2,468/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,650/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,908 · 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).