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$22,115
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,803
−HK$699/mo
Today · 4.125%
HK$23,502
baseline
▲ 0.50% · 4.625%
HK$24,932
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,004/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,603
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,262
−HK$670/mo
Today · 4.125%
HK$25,932
baseline
▲ 0.50% · 4.625%
HK$27,299
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,864/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,538
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,363
−HK$839/mo
Today · 4.125%
HK$28,202
baseline
▲ 0.50% · 4.625%
HK$29,918
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,404/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,523
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,315
−HK$803/mo
Today · 4.125%
HK$31,118
baseline
▲ 0.50% · 4.625%
HK$32,758
+HK$1,640/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,236/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,961
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,924
−HK$978/mo
Today · 4.125%
HK$32,902
baseline
▲ 0.50% · 4.625%
HK$34,904
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,804/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,444
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,367
−HK$937/mo
Today · 4.125%
HK$36,304
baseline
▲ 0.50% · 4.625%
HK$38,218
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,608/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,807
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,045
−HK$1,258/mo
Today · 4.125%
HK$42,303
baseline
▲ 0.50% · 4.625%
HK$44,877
+HK$2,574/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,606/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,285
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,472
−HK$1,205/mo
Today · 4.125%
HK$46,677
baseline
▲ 0.50% · 4.625%
HK$49,138
+HK$2,461/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,354/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,842 · 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).