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$22,207
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,898
−HK$702/mo
Today · 4.125%
HK$23,600
baseline
▲ 0.50% · 4.625%
HK$25,036
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,200/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,705
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,368
−HK$672/mo
Today · 4.125%
HK$26,040
baseline
▲ 0.50% · 4.625%
HK$27,413
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,080/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,649
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,478
−HK$842/mo
Today · 4.125%
HK$28,320
baseline
▲ 0.50% · 4.625%
HK$30,043
+HK$1,723/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,640/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,646
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,441
−HK$807/mo
Today · 4.125%
HK$31,248
baseline
▲ 0.50% · 4.625%
HK$32,895
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,496/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,090
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,057
−HK$983/mo
Today · 4.125%
HK$33,040
baseline
▲ 0.50% · 4.625%
HK$35,050
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,080/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,587
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,515
−HK$941/mo
Today · 4.125%
HK$36,456
baseline
▲ 0.50% · 4.625%
HK$38,378
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,912/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,973
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,216
−HK$1,264/mo
Today · 4.125%
HK$42,480
baseline
▲ 0.50% · 4.625%
HK$45,064
+HK$2,584/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$84,960/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,470
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,662
−HK$1,210/mo
Today · 4.125%
HK$46,872
baseline
▲ 0.50% · 4.625%
HK$49,343
+HK$2,471/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,744/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,891 · 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).