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$22,152
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,841
−HK$700/mo
Today · 4.125%
HK$23,541
baseline
▲ 0.50% · 4.625%
HK$24,974
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,082/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,644
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,305
−HK$670/mo
Today · 4.125%
HK$25,975
baseline
▲ 0.50% · 4.625%
HK$27,345
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,950/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,583
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,409
−HK$840/mo
Today · 4.125%
HK$28,249
baseline
▲ 0.50% · 4.625%
HK$29,968
+HK$1,719/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,498/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,573
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,366
−HK$805/mo
Today · 4.125%
HK$31,171
baseline
▲ 0.50% · 4.625%
HK$32,814
+HK$1,643/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,342/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,013
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,978
−HK$980/mo
Today · 4.125%
HK$32,958
baseline
▲ 0.50% · 4.625%
HK$34,963
+HK$2,005/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,916/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,502
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,427
−HK$939/mo
Today · 4.125%
HK$36,366
baseline
▲ 0.50% · 4.625%
HK$38,282
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,732/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,874
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,114
−HK$1,260/mo
Today · 4.125%
HK$42,374
baseline
▲ 0.50% · 4.625%
HK$44,953
+HK$2,579/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,748/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,359
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,549
−HK$1,207/mo
Today · 4.125%
HK$46,756
baseline
▲ 0.50% · 4.625%
HK$49,220
+HK$2,464/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,512/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,474 · 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).