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$22,117
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,804
−HK$699/mo
Today · 4.125%
HK$23,503
baseline
▲ 0.50% · 4.625%
HK$24,934
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,006/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,604
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,264
−HK$670/mo
Today · 4.125%
HK$25,934
baseline
▲ 0.50% · 4.625%
HK$27,301
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,868/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,540
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,365
−HK$839/mo
Today · 4.125%
HK$28,204
baseline
▲ 0.50% · 4.625%
HK$29,920
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,408/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,525
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,317
−HK$803/mo
Today · 4.125%
HK$31,120
baseline
▲ 0.50% · 4.625%
HK$32,761
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,240/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,963
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,926
−HK$979/mo
Today · 4.125%
HK$32,905
baseline
▲ 0.50% · 4.625%
HK$34,907
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,810/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,446
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,370
−HK$937/mo
Today · 4.125%
HK$36,307
baseline
▲ 0.50% · 4.625%
HK$38,221
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,614/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,810
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,048
−HK$1,258/mo
Today · 4.125%
HK$42,306
baseline
▲ 0.50% · 4.625%
HK$44,880
+HK$2,574/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,612/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,915 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,288
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,476
−HK$1,205/mo
Today · 4.125%
HK$46,681
baseline
▲ 0.50% · 4.625%
HK$49,141
+HK$2,460/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,362/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,915 · 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).