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$22,209
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,900
−HK$702/mo
Today · 4.125%
HK$23,602
baseline
▲ 0.50% · 4.625%
HK$25,038
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,204/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,708
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,370
−HK$673/mo
Today · 4.125%
HK$26,043
baseline
▲ 0.50% · 4.625%
HK$27,415
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,086/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,651
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,480
−HK$843/mo
Today · 4.125%
HK$28,323
baseline
▲ 0.50% · 4.625%
HK$30,046
+HK$1,723/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,646/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,649
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,445
−HK$806/mo
Today · 4.125%
HK$31,251
baseline
▲ 0.50% · 4.625%
HK$32,899
+HK$1,648/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,502/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,093
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,060
−HK$983/mo
Today · 4.125%
HK$33,043
baseline
▲ 0.50% · 4.625%
HK$35,054
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,086/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,591
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,519
−HK$941/mo
Today · 4.125%
HK$36,460
baseline
▲ 0.50% · 4.625%
HK$38,382
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,920/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,977
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,221
−HK$1,263/mo
Today · 4.125%
HK$42,484
baseline
▲ 0.50% · 4.625%
HK$45,069
+HK$2,585/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$84,968/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,474
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,667
−HK$1,210/mo
Today · 4.125%
HK$46,877
baseline
▲ 0.50% · 4.625%
HK$49,348
+HK$2,471/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,754/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,992 · 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).