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$22,127
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,815
−HK$700/mo
Today · 4.125%
HK$23,515
baseline
▲ 0.50% · 4.625%
HK$24,946
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,030/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,616
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,276
−HK$670/mo
Today · 4.125%
HK$25,946
baseline
▲ 0.50% · 4.625%
HK$27,314
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,892/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,553
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,379
−HK$839/mo
Today · 4.125%
HK$28,218
baseline
▲ 0.50% · 4.625%
HK$29,935
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,436/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,540
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,332
−HK$803/mo
Today · 4.125%
HK$31,135
baseline
▲ 0.50% · 4.625%
HK$32,777
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,270/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,978
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,942
−HK$979/mo
Today · 4.125%
HK$32,921
baseline
▲ 0.50% · 4.625%
HK$34,924
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,842/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,463
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,387
−HK$938/mo
Today · 4.125%
HK$36,325
baseline
▲ 0.50% · 4.625%
HK$38,239
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,650/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,829
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,068
−HK$1,259/mo
Today · 4.125%
HK$42,327
baseline
▲ 0.50% · 4.625%
HK$44,902
+HK$2,575/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,654/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,309
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,498
−HK$1,205/mo
Today · 4.125%
HK$46,703
baseline
▲ 0.50% · 4.625%
HK$49,165
+HK$2,462/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,406/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,382 · 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).