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$22,103
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,790
−HK$699/mo
Today · 4.125%
HK$23,489
baseline
▲ 0.50% · 4.625%
HK$24,918
+HK$1,429/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,978/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,589
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,249
−HK$669/mo
Today · 4.125%
HK$25,918
baseline
▲ 0.50% · 4.625%
HK$27,284
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,836/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,523
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,348
−HK$839/mo
Today · 4.125%
HK$28,187
baseline
▲ 0.50% · 4.625%
HK$29,902
+HK$1,715/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,374/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,507
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,298
−HK$803/mo
Today · 4.125%
HK$31,101
baseline
▲ 0.50% · 4.625%
HK$32,741
+HK$1,640/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,202/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,944
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,906
−HK$978/mo
Today · 4.125%
HK$32,884
baseline
▲ 0.50% · 4.625%
HK$34,885
+HK$2,001/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,768/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,425
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,348
−HK$937/mo
Today · 4.125%
HK$36,285
baseline
▲ 0.50% · 4.625%
HK$38,197
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,570/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,785
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,023
−HK$1,257/mo
Today · 4.125%
HK$42,280
baseline
▲ 0.50% · 4.625%
HK$44,853
+HK$2,573/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,560/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,260
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,447
−HK$1,205/mo
Today · 4.125%
HK$46,652
baseline
▲ 0.50% · 4.625%
HK$49,111
+HK$2,459/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,304/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,312 · 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).