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$22,131
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,819
−HK$700/mo
Today · 4.125%
HK$23,519
baseline
▲ 0.50% · 4.625%
HK$24,950
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,038/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,620
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,281
−HK$670/mo
Today · 4.125%
HK$25,951
baseline
▲ 0.50% · 4.625%
HK$27,318
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,902/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,557
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,383
−HK$839/mo
Today · 4.125%
HK$28,222
baseline
▲ 0.50% · 4.625%
HK$29,940
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,444/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,544
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,337
−HK$804/mo
Today · 4.125%
HK$31,141
baseline
▲ 0.50% · 4.625%
HK$32,782
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,282/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,983
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,947
−HK$979/mo
Today · 4.125%
HK$32,926
baseline
▲ 0.50% · 4.625%
HK$34,930
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,852/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,468
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,393
−HK$938/mo
Today · 4.125%
HK$36,331
baseline
▲ 0.50% · 4.625%
HK$38,246
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,662/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,836
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,075
−HK$1,259/mo
Today · 4.125%
HK$42,334
baseline
▲ 0.50% · 4.625%
HK$44,909
+HK$2,575/mo
Deposit HK$971K · loan HK$8.73M · min. income ≈ HK$84,668/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,317
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,505
−HK$1,206/mo
Today · 4.125%
HK$46,711
baseline
▲ 0.50% · 4.625%
HK$49,173
+HK$2,462/mo
Deposit HK$971K · loan HK$8.73M · min. income ≈ HK$93,422/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,543 · 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).