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$22,128
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,816
−HK$699/mo
Today · 4.125%
HK$23,515
baseline
▲ 0.50% · 4.625%
HK$24,946
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,030/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,617
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,277
−HK$670/mo
Today · 4.125%
HK$25,947
baseline
▲ 0.50% · 4.625%
HK$27,315
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,894/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,553
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,379
−HK$839/mo
Today · 4.125%
HK$28,218
baseline
▲ 0.50% · 4.625%
HK$29,935
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,436/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,540
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,333
−HK$803/mo
Today · 4.125%
HK$31,136
baseline
▲ 0.50% · 4.625%
HK$32,777
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,272/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,979
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,942
−HK$979/mo
Today · 4.125%
HK$32,921
baseline
▲ 0.50% · 4.625%
HK$34,925
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,842/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,464
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,388
−HK$938/mo
Today · 4.125%
HK$36,326
baseline
▲ 0.50% · 4.625%
HK$38,240
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,652/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,830
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,069
−HK$1,259/mo
Today · 4.125%
HK$42,328
baseline
▲ 0.50% · 4.625%
HK$44,903
+HK$2,575/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,656/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,310
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,499
−HK$1,205/mo
Today · 4.125%
HK$46,704
baseline
▲ 0.50% · 4.625%
HK$49,166
+HK$2,462/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,408/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,406 · 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).