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$22,113
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,800
−HK$699/mo
Today · 4.125%
HK$23,499
baseline
▲ 0.50% · 4.625%
HK$24,929
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,998/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,600
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,260
−HK$669/mo
Today · 4.125%
HK$25,929
baseline
▲ 0.50% · 4.625%
HK$27,296
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,858/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,535
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,360
−HK$839/mo
Today · 4.125%
HK$28,199
baseline
▲ 0.50% · 4.625%
HK$29,915
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,398/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,520
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,312
−HK$803/mo
Today · 4.125%
HK$31,115
baseline
▲ 0.50% · 4.625%
HK$32,755
+HK$1,640/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,230/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,958
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,920
−HK$979/mo
Today · 4.125%
HK$32,899
baseline
▲ 0.50% · 4.625%
HK$34,901
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,798/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,440
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,364
−HK$937/mo
Today · 4.125%
HK$36,301
baseline
▲ 0.50% · 4.625%
HK$38,214
+HK$1,913/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,602/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,803
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,041
−HK$1,258/mo
Today · 4.125%
HK$42,299
baseline
▲ 0.50% · 4.625%
HK$44,872
+HK$2,573/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,598/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,280
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,467
−HK$1,205/mo
Today · 4.125%
HK$46,672
baseline
▲ 0.50% · 4.625%
HK$49,132
+HK$2,460/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,344/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,739 · 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).