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$22,174
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,863
−HK$701/mo
Today · 4.125%
HK$23,564
baseline
▲ 0.50% · 4.625%
HK$24,998
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,128/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,668
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,329
−HK$672/mo
Today · 4.125%
HK$26,001
baseline
▲ 0.50% · 4.625%
HK$27,371
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,002/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,608
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,436
−HK$841/mo
Today · 4.125%
HK$28,277
baseline
▲ 0.50% · 4.625%
HK$29,997
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,554/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,601
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,395
−HK$806/mo
Today · 4.125%
HK$31,201
baseline
▲ 0.50% · 4.625%
HK$32,845
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,402/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,043
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,009
−HK$981/mo
Today · 4.125%
HK$32,990
baseline
▲ 0.50% · 4.625%
HK$34,997
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,980/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,535
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,461
−HK$940/mo
Today · 4.125%
HK$36,401
baseline
▲ 0.50% · 4.625%
HK$38,320
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,802/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,912
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,154
−HK$1,261/mo
Today · 4.125%
HK$42,415
baseline
▲ 0.50% · 4.625%
HK$44,996
+HK$2,581/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,830/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,402
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,593
−HK$1,208/mo
Today · 4.125%
HK$46,801
baseline
▲ 0.50% · 4.625%
HK$49,268
+HK$2,467/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,602/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,416 · 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).