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$22,159
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,848
−HK$700/mo
Today · 4.125%
HK$23,548
baseline
▲ 0.50% · 4.625%
HK$24,981
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,096/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,651
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,313
−HK$670/mo
Today · 4.125%
HK$25,983
baseline
▲ 0.50% · 4.625%
HK$27,353
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,966/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,591
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,418
−HK$840/mo
Today · 4.125%
HK$28,258
baseline
▲ 0.50% · 4.625%
HK$29,978
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,516/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,582
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,375
−HK$805/mo
Today · 4.125%
HK$31,180
baseline
▲ 0.50% · 4.625%
HK$32,824
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,360/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,022
−HK$1,946/mo
▼ 0.25% · 3.875%
HK$31,987
−HK$981/mo
Today · 4.125%
HK$32,968
baseline
▲ 0.50% · 4.625%
HK$34,974
+HK$2,006/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$65,936/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,512
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$35,438
−HK$939/mo
Today · 4.125%
HK$36,377
baseline
▲ 0.50% · 4.625%
HK$38,294
+HK$1,917/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$72,754/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,886
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,127
−HK$1,260/mo
Today · 4.125%
HK$42,387
baseline
▲ 0.50% · 4.625%
HK$44,966
+HK$2,579/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,774/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,373
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,563
−HK$1,207/mo
Today · 4.125%
HK$46,770
baseline
▲ 0.50% · 4.625%
HK$49,235
+HK$2,465/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,540/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,770 · 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).