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$22,106
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$22,794
−HK$698/mo
Today · 4.125%
HK$23,492
baseline
▲ 0.50% · 4.625%
HK$24,922
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$46,984/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,593
−HK$1,329/mo
▼ 0.25% · 3.875%
HK$25,252
−HK$670/mo
Today · 4.125%
HK$25,922
baseline
▲ 0.50% · 4.625%
HK$27,288
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,844/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,527
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,352
−HK$839/mo
Today · 4.125%
HK$28,191
baseline
▲ 0.50% · 4.625%
HK$29,906
+HK$1,715/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,382/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,511
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,303
−HK$803/mo
Today · 4.125%
HK$31,106
baseline
▲ 0.50% · 4.625%
HK$32,745
+HK$1,639/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,212/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,949
−HK$1,940/mo
▼ 0.25% · 3.875%
HK$31,911
−HK$978/mo
Today · 4.125%
HK$32,889
baseline
▲ 0.50% · 4.625%
HK$34,891
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,778/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,430
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$35,353
−HK$937/mo
Today · 4.125%
HK$36,290
baseline
▲ 0.50% · 4.625%
HK$38,203
+HK$1,913/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,580/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,791
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$41,029
−HK$1,257/mo
Today · 4.125%
HK$42,286
baseline
▲ 0.50% · 4.625%
HK$44,859
+HK$2,573/mo
Deposit HK$969K · loan HK$8.73M · min. income ≈ HK$84,572/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,267
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,454
−HK$1,205/mo
Today · 4.125%
HK$46,659
baseline
▲ 0.50% · 4.625%
HK$49,118
+HK$2,459/mo
Deposit HK$969K · loan HK$8.73M · min. income ≈ HK$93,318/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,458 · 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).