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$22,151
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,840
−HK$700/mo
Today · 4.125%
HK$23,540
baseline
▲ 0.50% · 4.625%
HK$24,973
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,080/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,643
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,304
−HK$670/mo
Today · 4.125%
HK$25,974
baseline
▲ 0.50% · 4.625%
HK$27,344
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,948/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,582
−HK$1,666/mo
▼ 0.25% · 3.875%
HK$27,408
−HK$840/mo
Today · 4.125%
HK$28,248
baseline
▲ 0.50% · 4.625%
HK$29,967
+HK$1,719/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,496/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,572
−HK$1,597/mo
▼ 0.25% · 3.875%
HK$30,365
−HK$804/mo
Today · 4.125%
HK$31,169
baseline
▲ 0.50% · 4.625%
HK$32,812
+HK$1,643/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,338/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,012
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,976
−HK$981/mo
Today · 4.125%
HK$32,957
baseline
▲ 0.50% · 4.625%
HK$34,962
+HK$2,005/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,914/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,500
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,426
−HK$938/mo
Today · 4.125%
HK$36,364
baseline
▲ 0.50% · 4.625%
HK$38,281
+HK$1,917/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,728/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,872
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,113
−HK$1,260/mo
Today · 4.125%
HK$42,373
baseline
▲ 0.50% · 4.625%
HK$44,951
+HK$2,578/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$84,746/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,358
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,547
−HK$1,207/mo
Today · 4.125%
HK$46,754
baseline
▲ 0.50% · 4.625%
HK$49,219
+HK$2,465/mo
Deposit HK$971K · loan HK$8.74M · min. income ≈ HK$93,508/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,440 · 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).