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$22,135
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,823
−HK$700/mo
Today · 4.125%
HK$23,523
baseline
▲ 0.50% · 4.625%
HK$24,954
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,046/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,625
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,285
−HK$670/mo
Today · 4.125%
HK$25,955
baseline
▲ 0.50% · 4.625%
HK$27,323
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,910/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,562
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,388
−HK$840/mo
Today · 4.125%
HK$28,228
baseline
▲ 0.50% · 4.625%
HK$29,945
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,456/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,550
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,342
−HK$804/mo
Today · 4.125%
HK$31,146
baseline
▲ 0.50% · 4.625%
HK$32,788
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,292/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,989
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,953
−HK$979/mo
Today · 4.125%
HK$32,932
baseline
▲ 0.50% · 4.625%
HK$34,936
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,864/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,475
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,399
−HK$938/mo
Today · 4.125%
HK$36,337
baseline
▲ 0.50% · 4.625%
HK$38,253
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,674/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,843
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,082
−HK$1,259/mo
Today · 4.125%
HK$42,341
baseline
▲ 0.50% · 4.625%
HK$44,918
+HK$2,577/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,682/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,325
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,514
−HK$1,205/mo
Today · 4.125%
HK$46,719
baseline
▲ 0.50% · 4.625%
HK$49,182
+HK$2,463/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,438/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,721 · 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).