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$22,141
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,830
−HK$700/mo
Today · 4.125%
HK$23,530
baseline
▲ 0.50% · 4.625%
HK$24,962
+HK$1,432/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,060/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,632
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,293
−HK$670/mo
Today · 4.125%
HK$25,963
baseline
▲ 0.50% · 4.625%
HK$27,332
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,926/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,570
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,396
−HK$840/mo
Today · 4.125%
HK$28,236
baseline
▲ 0.50% · 4.625%
HK$29,954
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$56,472/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,559
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,351
−HK$805/mo
Today · 4.125%
HK$31,156
baseline
▲ 0.50% · 4.625%
HK$32,798
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$62,312/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,998
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,962
−HK$980/mo
Today · 4.125%
HK$32,942
baseline
▲ 0.50% · 4.625%
HK$34,946
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,884/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,485
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,410
−HK$938/mo
Today · 4.125%
HK$36,348
baseline
▲ 0.50% · 4.625%
HK$38,264
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,696/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,855
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,094
−HK$1,260/mo
Today · 4.125%
HK$42,354
baseline
▲ 0.50% · 4.625%
HK$44,931
+HK$2,577/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,708/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,338
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,527
−HK$1,206/mo
Today · 4.125%
HK$46,733
baseline
▲ 0.50% · 4.625%
HK$49,197
+HK$2,464/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,466/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,009 · 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).