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$22,134
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,822
−HK$699/mo
Today · 4.125%
HK$23,521
baseline
▲ 0.50% · 4.625%
HK$24,953
+HK$1,432/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,042/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,623
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,284
−HK$670/mo
Today · 4.125%
HK$25,954
baseline
▲ 0.50% · 4.625%
HK$27,322
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,908/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,560
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,386
−HK$840/mo
Today · 4.125%
HK$28,226
baseline
▲ 0.50% · 4.625%
HK$29,943
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,452/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,548
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,340
−HK$804/mo
Today · 4.125%
HK$31,144
baseline
▲ 0.50% · 4.625%
HK$32,786
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,288/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,987
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,951
−HK$979/mo
Today · 4.125%
HK$32,930
baseline
▲ 0.50% · 4.625%
HK$34,934
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,860/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,473
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,397
−HK$938/mo
Today · 4.125%
HK$36,335
baseline
▲ 0.50% · 4.625%
HK$38,250
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,670/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,840
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,080
−HK$1,259/mo
Today · 4.125%
HK$42,339
baseline
▲ 0.50% · 4.625%
HK$44,915
+HK$2,576/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,678/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,322
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,511
−HK$1,206/mo
Today · 4.125%
HK$46,717
baseline
▲ 0.50% · 4.625%
HK$49,179
+HK$2,462/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,434/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,659 · 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).