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$22,137
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,826
−HK$699/mo
Today · 4.125%
HK$23,525
baseline
▲ 0.50% · 4.625%
HK$24,957
+HK$1,432/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,050/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,627
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,288
−HK$670/mo
Today · 4.125%
HK$25,958
baseline
▲ 0.50% · 4.625%
HK$27,326
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,916/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,565
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,391
−HK$839/mo
Today · 4.125%
HK$28,230
baseline
▲ 0.50% · 4.625%
HK$29,948
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,460/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,553
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,345
−HK$804/mo
Today · 4.125%
HK$31,149
baseline
▲ 0.50% · 4.625%
HK$32,791
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,298/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,992
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,956
−HK$979/mo
Today · 4.125%
HK$32,935
baseline
▲ 0.50% · 4.625%
HK$34,940
+HK$2,005/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,870/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,478
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,403
−HK$938/mo
Today · 4.125%
HK$36,341
baseline
▲ 0.50% · 4.625%
HK$38,257
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,682/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,847
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,086
−HK$1,260/mo
Today · 4.125%
HK$42,346
baseline
▲ 0.50% · 4.625%
HK$44,922
+HK$2,576/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,692/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,329
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,518
−HK$1,206/mo
Today · 4.125%
HK$46,724
baseline
▲ 0.50% · 4.625%
HK$49,187
+HK$2,463/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,448/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,819 · 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).