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$22,221
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,912
−HK$702/mo
Today · 4.125%
HK$23,614
baseline
▲ 0.50% · 4.625%
HK$25,051
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,228/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,720
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,383
−HK$673/mo
Today · 4.125%
HK$26,056
baseline
▲ 0.50% · 4.625%
HK$27,429
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,112/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,665
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,494
−HK$843/mo
Today · 4.125%
HK$28,337
baseline
▲ 0.50% · 4.625%
HK$30,061
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,674/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,664
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,460
−HK$807/mo
Today · 4.125%
HK$31,267
baseline
▲ 0.50% · 4.625%
HK$32,915
+HK$1,648/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,534/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,109
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,076
−HK$984/mo
Today · 4.125%
HK$33,060
baseline
▲ 0.50% · 4.625%
HK$35,071
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,120/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,608
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,536
−HK$942/mo
Today · 4.125%
HK$36,478
baseline
▲ 0.50% · 4.625%
HK$38,401
+HK$1,923/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,956/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,997
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,241
−HK$1,264/mo
Today · 4.125%
HK$42,505
baseline
▲ 0.50% · 4.625%
HK$45,091
+HK$2,586/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$85,010/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,496
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,690
−HK$1,210/mo
Today · 4.125%
HK$46,900
baseline
▲ 0.50% · 4.625%
HK$49,372
+HK$2,472/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,800/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,475 · 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).