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$22,163
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$22,852
−HK$701/mo
Today · 4.125%
HK$23,553
baseline
▲ 0.50% · 4.625%
HK$24,986
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,106/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,656
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,317
−HK$671/mo
Today · 4.125%
HK$25,988
baseline
▲ 0.50% · 4.625%
HK$27,358
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,976/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,595
−HK$1,668/mo
▼ 0.25% · 3.875%
HK$27,423
−HK$840/mo
Today · 4.125%
HK$28,263
baseline
▲ 0.50% · 4.625%
HK$29,983
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,526/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,587
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,381
−HK$804/mo
Today · 4.125%
HK$31,185
baseline
▲ 0.50% · 4.625%
HK$32,829
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,370/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,028
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,993
−HK$981/mo
Today · 4.125%
HK$32,974
baseline
▲ 0.50% · 4.625%
HK$34,980
+HK$2,006/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$65,948/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,518
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,444
−HK$939/mo
Today · 4.125%
HK$36,383
baseline
▲ 0.50% · 4.625%
HK$38,301
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$72,766/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,893
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,134
−HK$1,261/mo
Today · 4.125%
HK$42,395
baseline
▲ 0.50% · 4.625%
HK$44,974
+HK$2,579/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,790/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,381
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,571
−HK$1,207/mo
Today · 4.125%
HK$46,778
baseline
▲ 0.50% · 4.625%
HK$49,244
+HK$2,466/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,556/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,941 · 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).