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$22,136
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,825
−HK$700/mo
Today · 4.125%
HK$23,525
baseline
▲ 0.50% · 4.625%
HK$24,956
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,050/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,626
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,287
−HK$670/mo
Today · 4.125%
HK$25,957
baseline
▲ 0.50% · 4.625%
HK$27,325
+HK$1,368/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,914/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,564
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,390
−HK$839/mo
Today · 4.125%
HK$28,229
baseline
▲ 0.50% · 4.625%
HK$29,947
+HK$1,718/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,458/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,552
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,344
−HK$804/mo
Today · 4.125%
HK$31,148
baseline
▲ 0.50% · 4.625%
HK$32,790
+HK$1,642/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,296/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,991
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,955
−HK$979/mo
Today · 4.125%
HK$32,934
baseline
▲ 0.50% · 4.625%
HK$34,938
+HK$2,004/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,868/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,477
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$35,402
−HK$938/mo
Today · 4.125%
HK$36,340
baseline
▲ 0.50% · 4.625%
HK$38,255
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,680/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,845
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$41,085
−HK$1,259/mo
Today · 4.125%
HK$42,344
baseline
▲ 0.50% · 4.625%
HK$44,921
+HK$2,577/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,688/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,328
−HK$2,395/mo
▼ 0.25% · 3.875%
HK$45,517
−HK$1,206/mo
Today · 4.125%
HK$46,723
baseline
▲ 0.50% · 4.625%
HK$49,185
+HK$2,462/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,446/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,784 · 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).