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$22,145
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,834
−HK$700/mo
Today · 4.125%
HK$23,534
baseline
▲ 0.50% · 4.625%
HK$24,966
+HK$1,432/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,068/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,636
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,297
−HK$670/mo
Today · 4.125%
HK$25,967
baseline
▲ 0.50% · 4.625%
HK$27,336
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,934/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,574
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,401
−HK$840/mo
Today · 4.125%
HK$28,241
baseline
▲ 0.50% · 4.625%
HK$29,959
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$56,482/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,563
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,356
−HK$805/mo
Today · 4.125%
HK$31,161
baseline
▲ 0.50% · 4.625%
HK$32,803
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$62,322/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,003
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,968
−HK$979/mo
Today · 4.125%
HK$32,947
baseline
▲ 0.50% · 4.625%
HK$34,952
+HK$2,005/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,894/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,491
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,416
−HK$938/mo
Today · 4.125%
HK$36,354
baseline
▲ 0.50% · 4.625%
HK$38,270
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,708/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,861
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,101
−HK$1,260/mo
Today · 4.125%
HK$42,361
baseline
▲ 0.50% · 4.625%
HK$44,938
+HK$2,577/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,722/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,345
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,534
−HK$1,207/mo
Today · 4.125%
HK$46,741
baseline
▲ 0.50% · 4.625%
HK$49,205
+HK$2,464/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,482/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,168 · 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).