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$22,189
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,879
−HK$701/mo
Today · 4.125%
HK$23,580
baseline
▲ 0.50% · 4.625%
HK$25,015
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,160/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,685
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,347
−HK$672/mo
Today · 4.125%
HK$26,019
baseline
▲ 0.50% · 4.625%
HK$27,390
+HK$1,371/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,038/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,627
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,455
−HK$841/mo
Today · 4.125%
HK$28,296
baseline
▲ 0.50% · 4.625%
HK$30,018
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,592/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,622
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,416
−HK$806/mo
Today · 4.125%
HK$31,222
baseline
▲ 0.50% · 4.625%
HK$32,868
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,444/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,064
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,031
−HK$981/mo
Today · 4.125%
HK$33,012
baseline
▲ 0.50% · 4.625%
HK$35,021
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,024/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,559
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,486
−HK$940/mo
Today · 4.125%
HK$36,426
baseline
▲ 0.50% · 4.625%
HK$38,346
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,852/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,940
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,182
−HK$1,263/mo
Today · 4.125%
HK$42,445
baseline
▲ 0.50% · 4.625%
HK$45,027
+HK$2,582/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,890/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,433
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,625
−HK$1,208/mo
Today · 4.125%
HK$46,833
baseline
▲ 0.50% · 4.625%
HK$49,302
+HK$2,469/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,666/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,089 · 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).