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$22,199
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,889
−HK$702/mo
Today · 4.125%
HK$23,591
baseline
▲ 0.50% · 4.625%
HK$25,026
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,182/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,696
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,358
−HK$672/mo
Today · 4.125%
HK$26,030
baseline
▲ 0.50% · 4.625%
HK$27,402
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,060/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,638
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,467
−HK$842/mo
Today · 4.125%
HK$28,309
baseline
▲ 0.50% · 4.625%
HK$30,031
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,618/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,635
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,430
−HK$806/mo
Today · 4.125%
HK$31,236
baseline
▲ 0.50% · 4.625%
HK$32,882
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,472/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,078
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,045
−HK$982/mo
Today · 4.125%
HK$33,027
baseline
▲ 0.50% · 4.625%
HK$35,037
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,054/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,574
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,501
−HK$941/mo
Today · 4.125%
HK$36,442
baseline
▲ 0.50% · 4.625%
HK$38,363
+HK$1,921/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,884/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,958
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,200
−HK$1,263/mo
Today · 4.125%
HK$42,463
baseline
▲ 0.50% · 4.625%
HK$45,047
+HK$2,584/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$84,926/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,452
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,645
−HK$1,209/mo
Today · 4.125%
HK$46,854
baseline
▲ 0.50% · 4.625%
HK$49,324
+HK$2,470/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$93,708/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,515 · 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).