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$22,154
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,844
−HK$700/mo
Today · 4.125%
HK$23,544
baseline
▲ 0.50% · 4.625%
HK$24,976
+HK$1,432/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,088/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,647
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,308
−HK$670/mo
Today · 4.125%
HK$25,978
baseline
▲ 0.50% · 4.625%
HK$27,348
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,956/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,585
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,412
−HK$841/mo
Today · 4.125%
HK$28,253
baseline
▲ 0.50% · 4.625%
HK$29,972
+HK$1,719/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,506/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,576
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,369
−HK$805/mo
Today · 4.125%
HK$31,174
baseline
▲ 0.50% · 4.625%
HK$32,817
+HK$1,643/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,348/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,016
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,981
−HK$980/mo
Today · 4.125%
HK$32,961
baseline
▲ 0.50% · 4.625%
HK$34,967
+HK$2,006/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,922/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,505
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,431
−HK$939/mo
Today · 4.125%
HK$36,370
baseline
▲ 0.50% · 4.625%
HK$38,287
+HK$1,917/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,740/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,878
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,119
−HK$1,260/mo
Today · 4.125%
HK$42,379
baseline
▲ 0.50% · 4.625%
HK$44,957
+HK$2,578/mo
Deposit HK$972K · loan HK$8.74M · min. income ≈ HK$84,758/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,364
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,554
−HK$1,207/mo
Today · 4.125%
HK$46,761
baseline
▲ 0.50% · 4.625%
HK$49,226
+HK$2,465/mo
Deposit HK$972K · loan HK$8.74M · min. income ≈ HK$93,522/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,579 · 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).