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$22,153
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$22,842
−HK$700/mo
Today · 4.125%
HK$23,542
baseline
▲ 0.50% · 4.625%
HK$24,975
+HK$1,433/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,084/mo (50% DSR)
Upfront cash ≈ HK$5.20M (deposit + AVD stamp duty HK$341,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,645
−HK$1,332/mo
▼ 0.25% · 3.875%
HK$25,306
−HK$671/mo
Today · 4.125%
HK$25,977
baseline
▲ 0.50% · 4.625%
HK$27,346
+HK$1,369/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$341,524 · 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$29,970
+HK$1,719/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$341,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,574
−HK$1,598/mo
▼ 0.25% · 3.875%
HK$30,367
−HK$805/mo
Today · 4.125%
HK$31,172
baseline
▲ 0.50% · 4.625%
HK$32,815
+HK$1,643/mo
Deposit HK$3.89M · loan HK$5.83M · min. income ≈ HK$62,344/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$341,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,015
−HK$1,944/mo
▼ 0.25% · 3.875%
HK$31,979
−HK$980/mo
Today · 4.125%
HK$32,959
baseline
▲ 0.50% · 4.625%
HK$34,965
+HK$2,006/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$65,918/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,503
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$35,429
−HK$938/mo
Today · 4.125%
HK$36,367
baseline
▲ 0.50% · 4.625%
HK$38,284
+HK$1,917/mo
Deposit HK$2.91M · loan HK$6.80M · min. income ≈ HK$72,734/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$341,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,876
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,116
−HK$1,260/mo
Today · 4.125%
HK$42,376
baseline
▲ 0.50% · 4.625%
HK$44,955
+HK$2,579/mo
Deposit HK$972K · loan HK$8.74M · min. income ≈ HK$84,752/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,361
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,551
−HK$1,207/mo
Today · 4.125%
HK$46,758
baseline
▲ 0.50% · 4.625%
HK$49,223
+HK$2,465/mo
Deposit HK$972K · loan HK$8.74M · min. income ≈ HK$93,516/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$341,524 · 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).