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$22,097
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,785
−HK$698/mo
Today · 4.125%
HK$23,483
baseline
▲ 0.50% · 4.625%
HK$24,912
+HK$1,429/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,966/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$339,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,583
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,242
−HK$669/mo
Today · 4.125%
HK$25,911
baseline
▲ 0.50% · 4.625%
HK$27,277
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,822/mo (50% DSR)
Upfront cash ≈ HK$5.18M (deposit + AVD stamp duty HK$339,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,517
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,342
−HK$838/mo
Today · 4.125%
HK$28,180
baseline
▲ 0.50% · 4.625%
HK$29,894
+HK$1,714/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$56,360/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,500
−HK$1,593/mo
▼ 0.25% · 3.875%
HK$30,291
−HK$802/mo
Today · 4.125%
HK$31,093
baseline
▲ 0.50% · 4.625%
HK$32,732
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.81M · min. income ≈ HK$62,186/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,936
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,899
−HK$977/mo
Today · 4.125%
HK$32,876
baseline
▲ 0.50% · 4.625%
HK$34,877
+HK$2,001/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,752/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,416
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,339
−HK$937/mo
Today · 4.125%
HK$36,276
baseline
▲ 0.50% · 4.625%
HK$38,188
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,552/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,775
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$41,012
−HK$1,257/mo
Today · 4.125%
HK$42,269
baseline
▲ 0.50% · 4.625%
HK$44,841
+HK$2,572/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,538/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,250
−HK$2,390/mo
▼ 0.25% · 3.875%
HK$45,436
−HK$1,204/mo
Today · 4.125%
HK$46,640
baseline
▲ 0.50% · 4.625%
HK$49,099
+HK$2,459/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,280/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,073 · 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).