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$22,146
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,835
−HK$700/mo
Today · 4.125%
HK$23,535
baseline
▲ 0.50% · 4.625%
HK$24,967
+HK$1,432/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,070/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,637
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,298
−HK$670/mo
Today · 4.125%
HK$25,968
baseline
▲ 0.50% · 4.625%
HK$27,337
+HK$1,369/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,936/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,575
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,402
−HK$839/mo
Today · 4.125%
HK$28,241
baseline
▲ 0.50% · 4.625%
HK$29,960
+HK$1,719/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$56,482/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,564
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,357
−HK$805/mo
Today · 4.125%
HK$31,162
baseline
▲ 0.50% · 4.625%
HK$32,804
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$62,324/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,004
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,968
−HK$980/mo
Today · 4.125%
HK$32,948
baseline
▲ 0.50% · 4.625%
HK$34,953
+HK$2,005/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,896/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,492
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,417
−HK$938/mo
Today · 4.125%
HK$36,355
baseline
▲ 0.50% · 4.625%
HK$38,272
+HK$1,917/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,710/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,862
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,102
−HK$1,260/mo
Today · 4.125%
HK$42,362
baseline
▲ 0.50% · 4.625%
HK$44,940
+HK$2,578/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,724/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,347
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,536
−HK$1,206/mo
Today · 4.125%
HK$46,742
baseline
▲ 0.50% · 4.625%
HK$49,206
+HK$2,464/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,484/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,197 · 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).