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$22,126
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,814
−HK$700/mo
Today · 4.125%
HK$23,514
baseline
▲ 0.50% · 4.625%
HK$24,944
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,028/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,615
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,275
−HK$670/mo
Today · 4.125%
HK$25,945
baseline
▲ 0.50% · 4.625%
HK$27,313
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,890/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,551
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,377
−HK$839/mo
Today · 4.125%
HK$28,216
baseline
▲ 0.50% · 4.625%
HK$29,933
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,432/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,538
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,330
−HK$804/mo
Today · 4.125%
HK$31,134
baseline
▲ 0.50% · 4.625%
HK$32,775
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,268/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,977
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,940
−HK$979/mo
Today · 4.125%
HK$32,919
baseline
▲ 0.50% · 4.625%
HK$34,922
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,838/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,461
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,385
−HK$938/mo
Today · 4.125%
HK$36,323
baseline
▲ 0.50% · 4.625%
HK$38,238
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,646/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,827
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$41,066
−HK$1,258/mo
Today · 4.125%
HK$42,324
baseline
▲ 0.50% · 4.625%
HK$44,900
+HK$2,576/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,648/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,307
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,495
−HK$1,206/mo
Today · 4.125%
HK$46,701
baseline
▲ 0.50% · 4.625%
HK$49,163
+HK$2,462/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,402/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,334 · 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).