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$22,190
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,881
−HK$701/mo
Today · 4.125%
HK$23,582
baseline
▲ 0.50% · 4.625%
HK$25,017
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,164/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,687
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,349
−HK$671/mo
Today · 4.125%
HK$26,020
baseline
▲ 0.50% · 4.625%
HK$27,392
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,040/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,629
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,457
−HK$841/mo
Today · 4.125%
HK$28,298
baseline
▲ 0.50% · 4.625%
HK$30,020
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,596/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,624
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,418
−HK$806/mo
Today · 4.125%
HK$31,224
baseline
▲ 0.50% · 4.625%
HK$32,870
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,448/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,067
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,033
−HK$982/mo
Today · 4.125%
HK$33,015
baseline
▲ 0.50% · 4.625%
HK$35,024
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,030/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,561
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,488
−HK$941/mo
Today · 4.125%
HK$36,429
baseline
▲ 0.50% · 4.625%
HK$38,349
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,858/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,943
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,185
−HK$1,263/mo
Today · 4.125%
HK$42,448
baseline
▲ 0.50% · 4.625%
HK$45,030
+HK$2,582/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,896/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,436
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,628
−HK$1,209/mo
Today · 4.125%
HK$46,837
baseline
▲ 0.50% · 4.625%
HK$49,306
+HK$2,469/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,674/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,157 · 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).