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$22,188
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,878
−HK$701/mo
Today · 4.125%
HK$23,579
baseline
▲ 0.50% · 4.625%
HK$25,014
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,158/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,684
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,346
−HK$671/mo
Today · 4.125%
HK$26,017
baseline
▲ 0.50% · 4.625%
HK$27,389
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,034/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,625
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,454
−HK$841/mo
Today · 4.125%
HK$28,295
baseline
▲ 0.50% · 4.625%
HK$30,017
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,590/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,621
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,415
−HK$806/mo
Today · 4.125%
HK$31,221
baseline
▲ 0.50% · 4.625%
HK$32,867
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,442/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,063
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,029
−HK$982/mo
Today · 4.125%
HK$33,011
baseline
▲ 0.50% · 4.625%
HK$35,020
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,022/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,557
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,484
−HK$940/mo
Today · 4.125%
HK$36,424
baseline
▲ 0.50% · 4.625%
HK$38,344
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,848/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,938
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,181
−HK$1,262/mo
Today · 4.125%
HK$42,443
baseline
▲ 0.50% · 4.625%
HK$45,025
+HK$2,582/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,886/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,431
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,623
−HK$1,208/mo
Today · 4.125%
HK$46,831
baseline
▲ 0.50% · 4.625%
HK$49,300
+HK$2,469/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,662/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,045 · 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).