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$22,167
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,857
−HK$700/mo
Today · 4.125%
HK$23,557
baseline
▲ 0.50% · 4.625%
HK$24,991
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,114/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,661
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,322
−HK$671/mo
Today · 4.125%
HK$25,993
baseline
▲ 0.50% · 4.625%
HK$27,363
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,986/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,601
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,428
−HK$841/mo
Today · 4.125%
HK$28,269
baseline
▲ 0.50% · 4.625%
HK$29,989
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,538/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,593
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,387
−HK$805/mo
Today · 4.125%
HK$31,192
baseline
▲ 0.50% · 4.625%
HK$32,836
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,384/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,034
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,000
−HK$980/mo
Today · 4.125%
HK$32,980
baseline
▲ 0.50% · 4.625%
HK$34,987
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$65,960/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,525
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,451
−HK$940/mo
Today · 4.125%
HK$36,391
baseline
▲ 0.50% · 4.625%
HK$38,309
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$72,782/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,901
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,142
−HK$1,261/mo
Today · 4.125%
HK$42,403
baseline
▲ 0.50% · 4.625%
HK$44,984
+HK$2,581/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,806/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,390
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,580
−HK$1,208/mo
Today · 4.125%
HK$46,788
baseline
▲ 0.50% · 4.625%
HK$49,254
+HK$2,466/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,576/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,143 · 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).