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$22,176
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,866
−HK$701/mo
Today · 4.125%
HK$23,567
baseline
▲ 0.50% · 4.625%
HK$25,000
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,134/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,670
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,332
−HK$671/mo
Today · 4.125%
HK$26,003
baseline
▲ 0.50% · 4.625%
HK$27,374
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,006/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,611
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,439
−HK$841/mo
Today · 4.125%
HK$28,280
baseline
▲ 0.50% · 4.625%
HK$30,001
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,560/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,605
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,399
−HK$805/mo
Today · 4.125%
HK$31,204
baseline
▲ 0.50% · 4.625%
HK$32,849
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,408/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,046
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,012
−HK$981/mo
Today · 4.125%
HK$32,993
baseline
▲ 0.50% · 4.625%
HK$35,001
+HK$2,008/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,986/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,539
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,465
−HK$940/mo
Today · 4.125%
HK$36,405
baseline
▲ 0.50% · 4.625%
HK$38,324
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,810/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,917
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,158
−HK$1,262/mo
Today · 4.125%
HK$42,420
baseline
▲ 0.50% · 4.625%
HK$45,001
+HK$2,581/mo
Deposit HK$973K · loan HK$8.75M · min. income ≈ HK$84,840/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,407
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,598
−HK$1,208/mo
Today · 4.125%
HK$46,806
baseline
▲ 0.50% · 4.625%
HK$49,273
+HK$2,467/mo
Deposit HK$973K · loan HK$8.75M · min. income ≈ HK$93,612/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,518 · 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).