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$22,214
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,905
−HK$702/mo
Today · 4.125%
HK$23,607
baseline
▲ 0.50% · 4.625%
HK$25,043
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,214/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,712
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,375
−HK$673/mo
Today · 4.125%
HK$26,048
baseline
▲ 0.50% · 4.625%
HK$27,421
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,096/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,656
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,486
−HK$842/mo
Today · 4.125%
HK$28,328
baseline
▲ 0.50% · 4.625%
HK$30,052
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,656/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,655
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,450
−HK$807/mo
Today · 4.125%
HK$31,257
baseline
▲ 0.50% · 4.625%
HK$32,905
+HK$1,648/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,514/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,099
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,066
−HK$983/mo
Today · 4.125%
HK$33,049
baseline
▲ 0.50% · 4.625%
HK$35,060
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,098/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,597
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,525
−HK$942/mo
Today · 4.125%
HK$36,467
baseline
▲ 0.50% · 4.625%
HK$38,389
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,934/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,985
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,228
−HK$1,264/mo
Today · 4.125%
HK$42,492
baseline
▲ 0.50% · 4.625%
HK$45,078
+HK$2,586/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$84,984/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,482
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,675
−HK$1,211/mo
Today · 4.125%
HK$46,886
baseline
▲ 0.50% · 4.625%
HK$49,357
+HK$2,471/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,772/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,174 · 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).