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$22,168
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,857
−HK$701/mo
Today · 4.125%
HK$23,558
baseline
▲ 0.50% · 4.625%
HK$24,991
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,116/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,661
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,323
−HK$671/mo
Today · 4.125%
HK$25,994
baseline
▲ 0.50% · 4.625%
HK$27,364
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,988/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,601
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,429
−HK$840/mo
Today · 4.125%
HK$28,269
baseline
▲ 0.50% · 4.625%
HK$29,990
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,538/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,594
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,387
−HK$805/mo
Today · 4.125%
HK$31,192
baseline
▲ 0.50% · 4.625%
HK$32,837
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,384/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,035
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$32,000
−HK$981/mo
Today · 4.125%
HK$32,981
baseline
▲ 0.50% · 4.625%
HK$34,988
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,962/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,526
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,452
−HK$939/mo
Today · 4.125%
HK$36,391
baseline
▲ 0.50% · 4.625%
HK$38,309
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,782/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,902
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,143
−HK$1,261/mo
Today · 4.125%
HK$42,404
baseline
▲ 0.50% · 4.625%
HK$44,984
+HK$2,580/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,808/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,390
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,581
−HK$1,208/mo
Today · 4.125%
HK$46,789
baseline
▲ 0.50% · 4.625%
HK$49,255
+HK$2,466/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,578/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,159 · 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).