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$22,134
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,823
−HK$699/mo
Today · 4.125%
HK$23,522
baseline
▲ 0.50% · 4.625%
HK$24,953
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,044/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,624
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,284
−HK$670/mo
Today · 4.125%
HK$25,954
baseline
▲ 0.50% · 4.625%
HK$27,323
+HK$1,369/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,908/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,561
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,387
−HK$840/mo
Today · 4.125%
HK$28,227
baseline
▲ 0.50% · 4.625%
HK$29,944
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,454/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,549
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,341
−HK$804/mo
Today · 4.125%
HK$31,145
baseline
▲ 0.50% · 4.625%
HK$32,787
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,290/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,988
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,952
−HK$979/mo
Today · 4.125%
HK$32,931
baseline
▲ 0.50% · 4.625%
HK$34,935
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,862/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,474
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,398
−HK$938/mo
Today · 4.125%
HK$36,336
baseline
▲ 0.50% · 4.625%
HK$38,252
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,672/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,842
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,081
−HK$1,259/mo
Today · 4.125%
HK$42,340
baseline
▲ 0.50% · 4.625%
HK$44,916
+HK$2,576/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,680/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,323
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,512
−HK$1,206/mo
Today · 4.125%
HK$46,718
baseline
▲ 0.50% · 4.625%
HK$49,181
+HK$2,463/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,436/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,690 · 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).