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$22,161
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,850
−HK$700/mo
Today · 4.125%
HK$23,550
baseline
▲ 0.50% · 4.625%
HK$24,983
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,100/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,653
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,315
−HK$670/mo
Today · 4.125%
HK$25,985
baseline
▲ 0.50% · 4.625%
HK$27,355
+HK$1,370/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$51,970/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,593
−HK$1,667/mo
▼ 0.25% · 3.875%
HK$27,420
−HK$840/mo
Today · 4.125%
HK$28,260
baseline
▲ 0.50% · 4.625%
HK$29,980
+HK$1,720/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$56,520/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,584
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,377
−HK$805/mo
Today · 4.125%
HK$31,182
baseline
▲ 0.50% · 4.625%
HK$32,826
+HK$1,644/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,364/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,025
−HK$1,945/mo
▼ 0.25% · 3.875%
HK$31,990
−HK$980/mo
Today · 4.125%
HK$32,970
baseline
▲ 0.50% · 4.625%
HK$34,976
+HK$2,006/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$65,940/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,515
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,440
−HK$939/mo
Today · 4.125%
HK$36,379
baseline
▲ 0.50% · 4.625%
HK$38,297
+HK$1,918/mo
Deposit HK$2.92M · loan HK$6.80M · min. income ≈ HK$72,758/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,889
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,130
−HK$1,260/mo
Today · 4.125%
HK$42,390
baseline
▲ 0.50% · 4.625%
HK$44,970
+HK$2,580/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$84,780/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,376
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,566
−HK$1,208/mo
Today · 4.125%
HK$46,774
baseline
▲ 0.50% · 4.625%
HK$49,239
+HK$2,465/mo
Deposit HK$972K · loan HK$8.75M · min. income ≈ HK$93,548/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,844 · 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).