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$22,133
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,822
−HK$699/mo
Today · 4.125%
HK$23,521
baseline
▲ 0.50% · 4.625%
HK$24,952
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,042/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,623
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,283
−HK$670/mo
Today · 4.125%
HK$25,953
baseline
▲ 0.50% · 4.625%
HK$27,321
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,906/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,560
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,386
−HK$839/mo
Today · 4.125%
HK$28,225
baseline
▲ 0.50% · 4.625%
HK$29,943
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,450/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,548
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,340
−HK$804/mo
Today · 4.125%
HK$31,144
baseline
▲ 0.50% · 4.625%
HK$32,786
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,288/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,986
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,950
−HK$980/mo
Today · 4.125%
HK$32,930
baseline
▲ 0.50% · 4.625%
HK$34,933
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,860/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,472
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,397
−HK$938/mo
Today · 4.125%
HK$36,335
baseline
▲ 0.50% · 4.625%
HK$38,250
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,670/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,840
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,079
−HK$1,259/mo
Today · 4.125%
HK$42,338
baseline
▲ 0.50% · 4.625%
HK$44,914
+HK$2,576/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,676/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,321
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,510
−HK$1,206/mo
Today · 4.125%
HK$46,716
baseline
▲ 0.50% · 4.625%
HK$49,178
+HK$2,462/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,432/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,644 · 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).