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$22,119
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,807
−HK$699/mo
Today · 4.125%
HK$23,506
baseline
▲ 0.50% · 4.625%
HK$24,936
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,012/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,607
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,267
−HK$670/mo
Today · 4.125%
HK$25,937
baseline
▲ 0.50% · 4.625%
HK$27,304
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,874/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,543
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,369
−HK$838/mo
Today · 4.125%
HK$28,207
baseline
▲ 0.50% · 4.625%
HK$29,924
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,414/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,529
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,321
−HK$803/mo
Today · 4.125%
HK$31,124
baseline
▲ 0.50% · 4.625%
HK$32,765
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,248/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,967
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,930
−HK$979/mo
Today · 4.125%
HK$32,909
baseline
▲ 0.50% · 4.625%
HK$34,911
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,818/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,450
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,374
−HK$937/mo
Today · 4.125%
HK$36,311
baseline
▲ 0.50% · 4.625%
HK$38,225
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,622/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,814
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,053
−HK$1,258/mo
Today · 4.125%
HK$42,311
baseline
▲ 0.50% · 4.625%
HK$44,886
+HK$2,575/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,622/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,293
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,481
−HK$1,205/mo
Today · 4.125%
HK$46,686
baseline
▲ 0.50% · 4.625%
HK$49,147
+HK$2,461/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,372/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,029 · 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).