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$22,128
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$22,817
−HK$699/mo
Today · 4.125%
HK$23,516
baseline
▲ 0.50% · 4.625%
HK$24,947
+HK$1,431/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,032/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,618
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,278
−HK$670/mo
Today · 4.125%
HK$25,948
baseline
▲ 0.50% · 4.625%
HK$27,315
+HK$1,367/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,896/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$340,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,554
−HK$1,665/mo
▼ 0.25% · 3.875%
HK$27,380
−HK$839/mo
Today · 4.125%
HK$28,219
baseline
▲ 0.50% · 4.625%
HK$29,936
+HK$1,717/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,438/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,541
−HK$1,596/mo
▼ 0.25% · 3.875%
HK$30,333
−HK$804/mo
Today · 4.125%
HK$31,137
baseline
▲ 0.50% · 4.625%
HK$32,778
+HK$1,641/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,274/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$340,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,980
−HK$1,943/mo
▼ 0.25% · 3.875%
HK$31,943
−HK$980/mo
Today · 4.125%
HK$32,923
baseline
▲ 0.50% · 4.625%
HK$34,926
+HK$2,003/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,846/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,465
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$35,389
−HK$938/mo
Today · 4.125%
HK$36,327
baseline
▲ 0.50% · 4.625%
HK$38,242
+HK$1,915/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,654/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$340,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,831
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$41,070
−HK$1,259/mo
Today · 4.125%
HK$42,329
baseline
▲ 0.50% · 4.625%
HK$44,905
+HK$2,576/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,658/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,312
−HK$2,394/mo
▼ 0.25% · 3.875%
HK$45,500
−HK$1,206/mo
Today · 4.125%
HK$46,706
baseline
▲ 0.50% · 4.625%
HK$49,168
+HK$2,462/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,412/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$340,436 · 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).