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$22,143
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,832
−HK$700/mo
Today · 4.125%
HK$23,532
baseline
▲ 0.50% · 4.625%
HK$24,964
+HK$1,432/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,064/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,634
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,295
−HK$670/mo
Today · 4.125%
HK$25,965
baseline
▲ 0.50% · 4.625%
HK$27,334
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,930/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,572
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,399
−HK$839/mo
Today · 4.125%
HK$28,238
baseline
▲ 0.50% · 4.625%
HK$29,957
+HK$1,719/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$56,476/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,561
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,354
−HK$804/mo
Today · 4.125%
HK$31,158
baseline
▲ 0.50% · 4.625%
HK$32,801
+HK$1,643/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$62,316/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,001
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,965
−HK$980/mo
Today · 4.125%
HK$32,945
baseline
▲ 0.50% · 4.625%
HK$34,949
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,890/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,488
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,413
−HK$938/mo
Today · 4.125%
HK$36,351
baseline
▲ 0.50% · 4.625%
HK$38,267
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,702/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,858
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,098
−HK$1,259/mo
Today · 4.125%
HK$42,357
baseline
▲ 0.50% · 4.625%
HK$44,935
+HK$2,578/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,714/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,342
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,531
−HK$1,206/mo
Today · 4.125%
HK$46,737
baseline
▲ 0.50% · 4.625%
HK$49,201
+HK$2,464/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,474/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,091 · 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).