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$22,154
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,843
−HK$700/mo
Today · 4.125%
HK$23,543
baseline
▲ 0.50% · 4.625%
HK$24,975
+HK$1,432/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,086/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,646
−HK$1,331/mo
▼ 0.25% · 3.875%
HK$25,307
−HK$670/mo
Today · 4.125%
HK$25,977
baseline
▲ 0.50% · 4.625%
HK$27,347
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,954/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,584
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,411
−HK$840/mo
Today · 4.125%
HK$28,251
baseline
▲ 0.50% · 4.625%
HK$29,971
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,502/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,575
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,368
−HK$805/mo
Today · 4.125%
HK$31,173
baseline
▲ 0.50% · 4.625%
HK$32,816
+HK$1,643/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,346/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,015
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,980
−HK$980/mo
Today · 4.125%
HK$32,960
baseline
▲ 0.50% · 4.625%
HK$34,966
+HK$2,006/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,920/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,504
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,429
−HK$939/mo
Today · 4.125%
HK$36,368
baseline
▲ 0.50% · 4.625%
HK$38,285
+HK$1,917/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,736/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,877
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,117
−HK$1,260/mo
Today · 4.125%
HK$42,377
baseline
▲ 0.50% · 4.625%
HK$44,956
+HK$2,579/mo
Deposit HK$972K · loan HK$8.74M · min. income ≈ HK$84,754/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,362
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,552
−HK$1,207/mo
Today · 4.125%
HK$46,759
baseline
▲ 0.50% · 4.625%
HK$49,224
+HK$2,465/mo
Deposit HK$972K · loan HK$8.74M · min. income ≈ HK$93,518/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,543 · 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).