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$22,182
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,872
−HK$701/mo
Today · 4.125%
HK$23,573
baseline
▲ 0.50% · 4.625%
HK$25,008
+HK$1,435/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,146/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,678
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,339
−HK$672/mo
Today · 4.125%
HK$26,011
baseline
▲ 0.50% · 4.625%
HK$27,382
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,022/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,619
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,447
−HK$841/mo
Today · 4.125%
HK$28,288
baseline
▲ 0.50% · 4.625%
HK$30,009
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,576/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,613
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,407
−HK$806/mo
Today · 4.125%
HK$31,213
baseline
▲ 0.50% · 4.625%
HK$32,858
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,426/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,055
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,021
−HK$982/mo
Today · 4.125%
HK$33,003
baseline
▲ 0.50% · 4.625%
HK$35,011
+HK$2,008/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,006/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,549
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,475
−HK$940/mo
Today · 4.125%
HK$36,415
baseline
▲ 0.50% · 4.625%
HK$38,335
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,830/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,928
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,170
−HK$1,262/mo
Today · 4.125%
HK$42,432
baseline
▲ 0.50% · 4.625%
HK$45,014
+HK$2,582/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,864/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,420
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,611
−HK$1,208/mo
Today · 4.125%
HK$46,819
baseline
▲ 0.50% · 4.625%
HK$49,287
+HK$2,468/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,638/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,796 · 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).