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$22,123
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,811
−HK$699/mo
Today · 4.125%
HK$23,510
baseline
▲ 0.50% · 4.625%
HK$24,940
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,020/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,611
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,271
−HK$670/mo
Today · 4.125%
HK$25,941
baseline
▲ 0.50% · 4.625%
HK$27,308
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,882/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,547
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,373
−HK$839/mo
Today · 4.125%
HK$28,212
baseline
▲ 0.50% · 4.625%
HK$29,929
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,424/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,533
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,326
−HK$803/mo
Today · 4.125%
HK$31,129
baseline
▲ 0.50% · 4.625%
HK$32,770
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,258/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,972
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,935
−HK$979/mo
Today · 4.125%
HK$32,914
baseline
▲ 0.50% · 4.625%
HK$34,917
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,828/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,456
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,380
−HK$937/mo
Today · 4.125%
HK$36,317
baseline
▲ 0.50% · 4.625%
HK$38,232
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,634/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,821
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,059
−HK$1,259/mo
Today · 4.125%
HK$42,318
baseline
▲ 0.50% · 4.625%
HK$44,893
+HK$2,575/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,636/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,300
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,488
−HK$1,206/mo
Today · 4.125%
HK$46,694
baseline
▲ 0.50% · 4.625%
HK$49,155
+HK$2,461/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,388/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,183 · 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).