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$22,201
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,892
−HK$702/mo
Today · 4.125%
HK$23,594
baseline
▲ 0.50% · 4.625%
HK$25,029
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,188/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,699
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,361
−HK$672/mo
Today · 4.125%
HK$26,033
baseline
▲ 0.50% · 4.625%
HK$27,405
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,066/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,642
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,470
−HK$842/mo
Today · 4.125%
HK$28,312
baseline
▲ 0.50% · 4.625%
HK$30,035
+HK$1,723/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,624/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,639
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,433
−HK$807/mo
Today · 4.125%
HK$31,240
baseline
▲ 0.50% · 4.625%
HK$32,886
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,480/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,082
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,049
−HK$982/mo
Today · 4.125%
HK$33,031
baseline
▲ 0.50% · 4.625%
HK$35,041
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,062/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,578
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,506
−HK$940/mo
Today · 4.125%
HK$36,446
baseline
▲ 0.50% · 4.625%
HK$38,368
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,892/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,962
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,205
−HK$1,263/mo
Today · 4.125%
HK$42,468
baseline
▲ 0.50% · 4.625%
HK$45,052
+HK$2,584/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$84,936/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,458
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,650
−HK$1,210/mo
Today · 4.125%
HK$46,860
baseline
▲ 0.50% · 4.625%
HK$49,330
+HK$2,470/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$93,720/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,633 · 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).