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$22,143
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,832
−HK$700/mo
Today · 4.125%
HK$23,532
baseline
▲ 0.50% · 4.625%
HK$24,963
+HK$1,431/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,064/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,634
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,295
−HK$670/mo
Today · 4.125%
HK$25,965
baseline
▲ 0.50% · 4.625%
HK$27,333
+HK$1,368/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,930/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,572
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,398
−HK$840/mo
Today · 4.125%
HK$28,238
baseline
▲ 0.50% · 4.625%
HK$29,956
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$56,476/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,561
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,353
−HK$805/mo
Today · 4.125%
HK$31,158
baseline
▲ 0.50% · 4.625%
HK$32,800
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.83M · min. income ≈ HK$62,316/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,000
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,964
−HK$980/mo
Today · 4.125%
HK$32,944
baseline
▲ 0.50% · 4.625%
HK$34,949
+HK$2,005/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,888/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,487
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,412
−HK$939/mo
Today · 4.125%
HK$36,351
baseline
▲ 0.50% · 4.625%
HK$38,267
+HK$1,916/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,702/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$341,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,857
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,097
−HK$1,260/mo
Today · 4.125%
HK$42,357
baseline
▲ 0.50% · 4.625%
HK$44,934
+HK$2,577/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,714/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,341
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,530
−HK$1,207/mo
Today · 4.125%
HK$46,737
baseline
▲ 0.50% · 4.625%
HK$49,200
+HK$2,463/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,474/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,076 · 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).