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$22,198
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,889
−HK$701/mo
Today · 4.125%
HK$23,590
baseline
▲ 0.50% · 4.625%
HK$25,025
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,180/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,695
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,357
−HK$672/mo
Today · 4.125%
HK$26,029
baseline
▲ 0.50% · 4.625%
HK$27,401
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,058/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,638
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,466
−HK$842/mo
Today · 4.125%
HK$28,308
baseline
▲ 0.50% · 4.625%
HK$30,031
+HK$1,723/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,616/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,634
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,429
−HK$806/mo
Today · 4.125%
HK$31,235
baseline
▲ 0.50% · 4.625%
HK$32,882
+HK$1,647/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,470/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,077
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,044
−HK$982/mo
Today · 4.125%
HK$33,026
baseline
▲ 0.50% · 4.625%
HK$35,036
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,052/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,573
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,500
−HK$941/mo
Today · 4.125%
HK$36,441
baseline
▲ 0.50% · 4.625%
HK$38,362
+HK$1,921/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,882/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,956
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,199
−HK$1,263/mo
Today · 4.125%
HK$42,462
baseline
▲ 0.50% · 4.625%
HK$45,046
+HK$2,584/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,924/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,451
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,643
−HK$1,210/mo
Today · 4.125%
HK$46,853
baseline
▲ 0.50% · 4.625%
HK$49,322
+HK$2,469/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,706/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,490 · 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).