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$22,166
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,856
−HK$700/mo
Today · 4.125%
HK$23,556
baseline
▲ 0.50% · 4.625%
HK$24,990
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,112/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,660
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,321
−HK$671/mo
Today · 4.125%
HK$25,992
baseline
▲ 0.50% · 4.625%
HK$27,362
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,984/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,600
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,427
−HK$841/mo
Today · 4.125%
HK$28,268
baseline
▲ 0.50% · 4.625%
HK$29,988
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,536/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,592
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,385
−HK$806/mo
Today · 4.125%
HK$31,191
baseline
▲ 0.50% · 4.625%
HK$32,835
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,382/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,033
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,998
−HK$981/mo
Today · 4.125%
HK$32,979
baseline
▲ 0.50% · 4.625%
HK$34,986
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$65,958/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,524
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,450
−HK$939/mo
Today · 4.125%
HK$36,389
baseline
▲ 0.50% · 4.625%
HK$38,307
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$72,778/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,899
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,141
−HK$1,260/mo
Today · 4.125%
HK$42,401
baseline
▲ 0.50% · 4.625%
HK$44,982
+HK$2,581/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,802/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,388
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,578
−HK$1,208/mo
Today · 4.125%
HK$46,786
baseline
▲ 0.50% · 4.625%
HK$49,252
+HK$2,466/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,572/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,100 · 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).