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$22,102
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,789
−HK$699/mo
Today · 4.125%
HK$23,488
baseline
▲ 0.50% · 4.625%
HK$24,917
+HK$1,429/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,976/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,588
−HK$1,328/mo
▼ 0.25% · 3.875%
HK$25,247
−HK$669/mo
Today · 4.125%
HK$25,916
baseline
▲ 0.50% · 4.625%
HK$27,282
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,832/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,522
−HK$1,663/mo
▼ 0.25% · 3.875%
HK$27,347
−HK$838/mo
Today · 4.125%
HK$28,185
baseline
▲ 0.50% · 4.625%
HK$29,900
+HK$1,715/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,370/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,505
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,297
−HK$803/mo
Today · 4.125%
HK$31,100
baseline
▲ 0.50% · 4.625%
HK$32,739
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,200/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,942
−HK$1,941/mo
▼ 0.25% · 3.875%
HK$31,905
−HK$978/mo
Today · 4.125%
HK$32,883
baseline
▲ 0.50% · 4.625%
HK$34,883
+HK$2,000/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$65,766/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,423
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,346
−HK$937/mo
Today · 4.125%
HK$36,283
baseline
▲ 0.50% · 4.625%
HK$38,195
+HK$1,912/mo
Deposit HK$2.91M · loan HK$6.78M · min. income ≈ HK$72,566/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,783
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,020
−HK$1,258/mo
Today · 4.125%
HK$42,278
baseline
▲ 0.50% · 4.625%
HK$44,850
+HK$2,572/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$84,556/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,258
−HK$2,391/mo
▼ 0.25% · 3.875%
HK$45,445
−HK$1,204/mo
Today · 4.125%
HK$46,649
baseline
▲ 0.50% · 4.625%
HK$49,108
+HK$2,459/mo
Deposit HK$969K · loan HK$8.72M · min. income ≈ HK$93,298/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,262 · 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).