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$22,220
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,911
−HK$703/mo
Today · 4.125%
HK$23,614
baseline
▲ 0.50% · 4.625%
HK$25,050
+HK$1,436/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$344,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,720
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,383
−HK$672/mo
Today · 4.125%
HK$26,055
baseline
▲ 0.50% · 4.625%
HK$27,429
+HK$1,374/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,110/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,664
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,494
−HK$842/mo
Today · 4.125%
HK$28,336
baseline
▲ 0.50% · 4.625%
HK$30,060
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,672/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,664
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,459
−HK$807/mo
Today · 4.125%
HK$31,266
baseline
▲ 0.50% · 4.625%
HK$32,914
+HK$1,648/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,532/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,108
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,076
−HK$983/mo
Today · 4.125%
HK$33,059
baseline
▲ 0.50% · 4.625%
HK$35,071
+HK$2,012/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,118/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,608
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,536
−HK$941/mo
Today · 4.125%
HK$36,477
baseline
▲ 0.50% · 4.625%
HK$38,400
+HK$1,923/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,954/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,996
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,240
−HK$1,264/mo
Today · 4.125%
HK$42,504
baseline
▲ 0.50% · 4.625%
HK$45,091
+HK$2,587/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$85,008/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,495
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,689
−HK$1,210/mo
Today · 4.125%
HK$46,899
baseline
▲ 0.50% · 4.625%
HK$49,372
+HK$2,473/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,798/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,458 · 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).