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$22,122
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,810
−HK$699/mo
Today · 4.125%
HK$23,509
baseline
▲ 0.50% · 4.625%
HK$24,940
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,018/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,610
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,270
−HK$670/mo
Today · 4.125%
HK$25,940
baseline
▲ 0.50% · 4.625%
HK$27,307
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,880/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,546
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,372
−HK$839/mo
Today · 4.125%
HK$28,211
baseline
▲ 0.50% · 4.625%
HK$29,928
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,422/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,533
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,325
−HK$803/mo
Today · 4.125%
HK$31,128
baseline
▲ 0.50% · 4.625%
HK$32,769
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,256/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,971
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,934
−HK$979/mo
Today · 4.125%
HK$32,913
baseline
▲ 0.50% · 4.625%
HK$34,916
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,826/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,455
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,379
−HK$937/mo
Today · 4.125%
HK$36,316
baseline
▲ 0.50% · 4.625%
HK$38,230
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,632/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,819
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,058
−HK$1,259/mo
Today · 4.125%
HK$42,317
baseline
▲ 0.50% · 4.625%
HK$44,891
+HK$2,574/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,634/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,299
−HK$2,393/mo
▼ 0.25% · 3.875%
HK$45,487
−HK$1,205/mo
Today · 4.125%
HK$46,692
baseline
▲ 0.50% · 4.625%
HK$49,153
+HK$2,461/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,384/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,152 · 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).