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$22,169
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,859
−HK$700/mo
Today · 4.125%
HK$23,559
baseline
▲ 0.50% · 4.625%
HK$24,993
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,118/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,663
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,324
−HK$671/mo
Today · 4.125%
HK$25,995
baseline
▲ 0.50% · 4.625%
HK$27,365
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,990/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,603
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,430
−HK$841/mo
Today · 4.125%
HK$28,271
baseline
▲ 0.50% · 4.625%
HK$29,991
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,542/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,595
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,389
−HK$805/mo
Today · 4.125%
HK$31,194
baseline
▲ 0.50% · 4.625%
HK$32,839
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,388/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,037
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,002
−HK$981/mo
Today · 4.125%
HK$32,983
baseline
▲ 0.50% · 4.625%
HK$34,990
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,966/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,528
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,454
−HK$939/mo
Today · 4.125%
HK$36,393
baseline
▲ 0.50% · 4.625%
HK$38,312
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,786/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,904
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,145
−HK$1,262/mo
Today · 4.125%
HK$42,407
baseline
▲ 0.50% · 4.625%
HK$44,987
+HK$2,580/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,814/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,393
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,584
−HK$1,207/mo
Today · 4.125%
HK$46,791
baseline
▲ 0.50% · 4.625%
HK$49,258
+HK$2,467/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,582/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,215 · 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).