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$22,132
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,821
−HK$699/mo
Today · 4.125%
HK$23,520
baseline
▲ 0.50% · 4.625%
HK$24,952
+HK$1,432/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,040/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,622
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,283
−HK$669/mo
Today · 4.125%
HK$25,952
baseline
▲ 0.50% · 4.625%
HK$27,320
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,904/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,559
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,385
−HK$839/mo
Today · 4.125%
HK$28,224
baseline
▲ 0.50% · 4.625%
HK$29,942
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,448/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,547
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,339
−HK$804/mo
Today · 4.125%
HK$31,143
baseline
▲ 0.50% · 4.625%
HK$32,784
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,286/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,985
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,949
−HK$980/mo
Today · 4.125%
HK$32,929
baseline
▲ 0.50% · 4.625%
HK$34,932
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,858/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,471
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,396
−HK$937/mo
Today · 4.125%
HK$36,333
baseline
▲ 0.50% · 4.625%
HK$38,249
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,666/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,838
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,078
−HK$1,259/mo
Today · 4.125%
HK$42,337
baseline
▲ 0.50% · 4.625%
HK$44,913
+HK$2,576/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,674/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,320
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,509
−HK$1,205/mo
Today · 4.125%
HK$46,714
baseline
▲ 0.50% · 4.625%
HK$49,177
+HK$2,463/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,428/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,614 · 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).