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$22,124
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,812
−HK$699/mo
Today · 4.125%
HK$23,511
baseline
▲ 0.50% · 4.625%
HK$24,942
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,022/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,613
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,273
−HK$670/mo
Today · 4.125%
HK$25,943
baseline
▲ 0.50% · 4.625%
HK$27,310
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,886/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,549
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,375
−HK$839/mo
Today · 4.125%
HK$28,214
baseline
▲ 0.50% · 4.625%
HK$29,931
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,428/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,535
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,328
−HK$803/mo
Today · 4.125%
HK$31,131
baseline
▲ 0.50% · 4.625%
HK$32,772
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,262/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,974
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,937
−HK$979/mo
Today · 4.125%
HK$32,916
baseline
▲ 0.50% · 4.625%
HK$34,919
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,832/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,458
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,382
−HK$938/mo
Today · 4.125%
HK$36,320
baseline
▲ 0.50% · 4.625%
HK$38,234
+HK$1,914/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,640/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,823
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,062
−HK$1,259/mo
Today · 4.125%
HK$42,321
baseline
▲ 0.50% · 4.625%
HK$44,896
+HK$2,575/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,642/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,303
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,491
−HK$1,206/mo
Today · 4.125%
HK$46,697
baseline
▲ 0.50% · 4.625%
HK$49,158
+HK$2,461/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,394/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,247 · 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).