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$22,206
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,896
−HK$702/mo
Today · 4.125%
HK$23,598
baseline
▲ 0.50% · 4.625%
HK$25,034
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,196/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,704
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,366
−HK$672/mo
Today · 4.125%
HK$26,038
baseline
▲ 0.50% · 4.625%
HK$27,411
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,076/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,647
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,476
−HK$842/mo
Today · 4.125%
HK$28,318
baseline
▲ 0.50% · 4.625%
HK$30,041
+HK$1,723/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,636/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,644
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,439
−HK$807/mo
Today · 4.125%
HK$31,246
baseline
▲ 0.50% · 4.625%
HK$32,893
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,492/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,088
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,055
−HK$982/mo
Today · 4.125%
HK$33,037
baseline
▲ 0.50% · 4.625%
HK$35,048
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,074/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,585
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,513
−HK$940/mo
Today · 4.125%
HK$36,453
baseline
▲ 0.50% · 4.625%
HK$38,375
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,906/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,970
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,213
−HK$1,264/mo
Today · 4.125%
HK$42,477
baseline
▲ 0.50% · 4.625%
HK$45,061
+HK$2,584/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$84,954/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,466
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,659
−HK$1,210/mo
Today · 4.125%
HK$46,869
baseline
▲ 0.50% · 4.625%
HK$49,339
+HK$2,470/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$93,738/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,823 · 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).