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$22,107
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,795
−HK$699/mo
Today · 4.125%
HK$23,494
baseline
▲ 0.50% · 4.625%
HK$24,923
+HK$1,429/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,988/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,594
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,254
−HK$669/mo
Today · 4.125%
HK$25,923
baseline
▲ 0.50% · 4.625%
HK$27,289
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,846/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,529
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,354
−HK$838/mo
Today · 4.125%
HK$28,192
baseline
▲ 0.50% · 4.625%
HK$29,908
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,384/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,513
−HK$1,594/mo
▼ 0.25% · 3.875%
HK$30,304
−HK$803/mo
Today · 4.125%
HK$31,107
baseline
▲ 0.50% · 4.625%
HK$32,747
+HK$1,640/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,214/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,950
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,913
−HK$978/mo
Today · 4.125%
HK$32,891
baseline
▲ 0.50% · 4.625%
HK$34,892
+HK$2,001/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,782/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,432
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,355
−HK$937/mo
Today · 4.125%
HK$36,292
baseline
▲ 0.50% · 4.625%
HK$38,205
+HK$1,913/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,584/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,793
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,031
−HK$1,257/mo
Today · 4.125%
HK$42,288
baseline
▲ 0.50% · 4.625%
HK$44,862
+HK$2,574/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,576/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,269
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,457
−HK$1,204/mo
Today · 4.125%
HK$46,661
baseline
▲ 0.50% · 4.625%
HK$49,121
+HK$2,460/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,322/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,507 · 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).