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$22,212
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,903
−HK$702/mo
Today · 4.125%
HK$23,605
baseline
▲ 0.50% · 4.625%
HK$25,041
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,210/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$344,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,711
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,373
−HK$673/mo
Today · 4.125%
HK$26,046
baseline
▲ 0.50% · 4.625%
HK$27,418
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,092/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$344,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,654
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,483
−HK$843/mo
Today · 4.125%
HK$28,326
baseline
▲ 0.50% · 4.625%
HK$30,049
+HK$1,723/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,652/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,653
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,448
−HK$807/mo
Today · 4.125%
HK$31,255
baseline
▲ 0.50% · 4.625%
HK$32,902
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,510/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,097
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,064
−HK$983/mo
Today · 4.125%
HK$33,047
baseline
▲ 0.50% · 4.625%
HK$35,058
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,094/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,595
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,523
−HK$941/mo
Today · 4.125%
HK$36,464
baseline
▲ 0.50% · 4.625%
HK$38,386
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,928/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,981
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,225
−HK$1,264/mo
Today · 4.125%
HK$42,489
baseline
▲ 0.50% · 4.625%
HK$45,074
+HK$2,585/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$84,978/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,479
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,672
−HK$1,210/mo
Today · 4.125%
HK$46,882
baseline
▲ 0.50% · 4.625%
HK$49,353
+HK$2,471/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,764/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,099 · 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).