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$1,391/mo
▼ 0.25% · 3.875%
HK$22,880
−HK$701/mo
Today · 4.125%
HK$23,581
baseline
▲ 0.50% · 4.625%
HK$25,016
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,162/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,686
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,348
−HK$672/mo
Today · 4.125%
HK$26,020
baseline
▲ 0.50% · 4.625%
HK$27,391
+HK$1,371/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$343,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,628
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,456
−HK$841/mo
Today · 4.125%
HK$28,297
baseline
▲ 0.50% · 4.625%
HK$30,019
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,594/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,623
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,417
−HK$806/mo
Today · 4.125%
HK$31,223
baseline
▲ 0.50% · 4.625%
HK$32,869
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,446/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,066
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,032
−HK$982/mo
Today · 4.125%
HK$33,014
baseline
▲ 0.50% · 4.625%
HK$35,023
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,028/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,560
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,487
−HK$940/mo
Today · 4.125%
HK$36,427
baseline
▲ 0.50% · 4.625%
HK$38,348
+HK$1,921/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,854/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,942
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,184
−HK$1,262/mo
Today · 4.125%
HK$42,446
baseline
▲ 0.50% · 4.625%
HK$45,029
+HK$2,583/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,892/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,435
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,626
−HK$1,209/mo
Today · 4.125%
HK$46,835
baseline
▲ 0.50% · 4.625%
HK$49,304
+HK$2,469/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,670/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,125 · 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).