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$22,191
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,881
−HK$702/mo
Today · 4.125%
HK$23,583
baseline
▲ 0.50% · 4.625%
HK$25,018
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,166/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,687
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,349
−HK$672/mo
Today · 4.125%
HK$26,021
baseline
▲ 0.50% · 4.625%
HK$27,393
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,042/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,629
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,458
−HK$841/mo
Today · 4.125%
HK$28,299
baseline
▲ 0.50% · 4.625%
HK$30,021
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,598/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,625
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,419
−HK$806/mo
Today · 4.125%
HK$31,225
baseline
▲ 0.50% · 4.625%
HK$32,871
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,450/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,068
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,034
−HK$982/mo
Today · 4.125%
HK$33,016
baseline
▲ 0.50% · 4.625%
HK$35,025
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,032/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,562
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,489
−HK$941/mo
Today · 4.125%
HK$36,430
baseline
▲ 0.50% · 4.625%
HK$38,350
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,860/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,944
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,186
−HK$1,263/mo
Today · 4.125%
HK$42,449
baseline
▲ 0.50% · 4.625%
HK$45,032
+HK$2,583/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,898/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,437
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,629
−HK$1,209/mo
Today · 4.125%
HK$46,838
baseline
▲ 0.50% · 4.625%
HK$49,307
+HK$2,469/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,676/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,185 · 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).