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$22,158
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,847
−HK$700/mo
Today · 4.125%
HK$23,547
baseline
▲ 0.50% · 4.625%
HK$24,980
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,094/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,651
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,312
−HK$670/mo
Today · 4.125%
HK$25,982
baseline
▲ 0.50% · 4.625%
HK$27,352
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,964/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,590
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,417
−HK$840/mo
Today · 4.125%
HK$28,257
baseline
▲ 0.50% · 4.625%
HK$29,976
+HK$1,719/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,514/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,581
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,374
−HK$805/mo
Today · 4.125%
HK$31,179
baseline
▲ 0.50% · 4.625%
HK$32,822
+HK$1,643/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,358/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,021
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,986
−HK$980/mo
Today · 4.125%
HK$32,966
baseline
▲ 0.50% · 4.625%
HK$34,972
+HK$2,006/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$65,932/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,511
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,436
−HK$939/mo
Today · 4.125%
HK$36,375
baseline
▲ 0.50% · 4.625%
HK$38,293
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$72,750/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,884
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,125
−HK$1,260/mo
Today · 4.125%
HK$42,385
baseline
▲ 0.50% · 4.625%
HK$44,964
+HK$2,579/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,770/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,371
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,561
−HK$1,207/mo
Today · 4.125%
HK$46,768
baseline
▲ 0.50% · 4.625%
HK$49,233
+HK$2,465/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,536/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,731 · 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).