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$22,172
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,862
−HK$701/mo
Today · 4.125%
HK$23,563
baseline
▲ 0.50% · 4.625%
HK$24,996
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,126/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,667
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,328
−HK$671/mo
Today · 4.125%
HK$25,999
baseline
▲ 0.50% · 4.625%
HK$27,370
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,998/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$342,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,607
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,434
−HK$841/mo
Today · 4.125%
HK$28,275
baseline
▲ 0.50% · 4.625%
HK$29,996
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,550/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,600
−HK$1,599/mo
▼ 0.25% · 3.875%
HK$30,394
−HK$805/mo
Today · 4.125%
HK$31,199
baseline
▲ 0.50% · 4.625%
HK$32,844
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,398/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,041
−HK$1,947/mo
▼ 0.25% · 3.875%
HK$32,007
−HK$981/mo
Today · 4.125%
HK$32,988
baseline
▲ 0.50% · 4.625%
HK$34,995
+HK$2,007/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$65,976/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,533
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,459
−HK$940/mo
Today · 4.125%
HK$36,399
baseline
▲ 0.50% · 4.625%
HK$38,317
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,798/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,910
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,152
−HK$1,261/mo
Today · 4.125%
HK$42,413
baseline
▲ 0.50% · 4.625%
HK$44,994
+HK$2,581/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,826/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,400
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,590
−HK$1,208/mo
Today · 4.125%
HK$46,798
baseline
▲ 0.50% · 4.625%
HK$49,265
+HK$2,467/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,596/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$342,362 · 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).