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$22,164
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,854
−HK$700/mo
Today · 4.125%
HK$23,554
baseline
▲ 0.50% · 4.625%
HK$24,988
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,108/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,658
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,319
−HK$671/mo
Today · 4.125%
HK$25,990
baseline
▲ 0.50% · 4.625%
HK$27,360
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,980/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,597
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,425
−HK$840/mo
Today · 4.125%
HK$28,265
baseline
▲ 0.50% · 4.625%
HK$29,985
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,530/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,589
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,383
−HK$805/mo
Today · 4.125%
HK$31,188
baseline
▲ 0.50% · 4.625%
HK$32,832
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,376/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,030
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,995
−HK$981/mo
Today · 4.125%
HK$32,976
baseline
▲ 0.50% · 4.625%
HK$34,983
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$65,952/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,521
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,447
−HK$939/mo
Today · 4.125%
HK$36,386
baseline
▲ 0.50% · 4.625%
HK$38,304
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$72,772/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,896
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,137
−HK$1,261/mo
Today · 4.125%
HK$42,398
baseline
▲ 0.50% · 4.625%
HK$44,978
+HK$2,580/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,796/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,384
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,574
−HK$1,208/mo
Today · 4.125%
HK$46,782
baseline
▲ 0.50% · 4.625%
HK$49,248
+HK$2,466/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,564/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,014 · 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).