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$22,184
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,874
−HK$701/mo
Today · 4.125%
HK$23,575
baseline
▲ 0.50% · 4.625%
HK$25,010
+HK$1,435/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,150/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,680
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,342
−HK$671/mo
Today · 4.125%
HK$26,013
baseline
▲ 0.50% · 4.625%
HK$27,384
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,026/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,621
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,449
−HK$842/mo
Today · 4.125%
HK$28,291
baseline
▲ 0.50% · 4.625%
HK$30,012
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,582/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,616
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,410
−HK$806/mo
Today · 4.125%
HK$31,216
baseline
▲ 0.50% · 4.625%
HK$32,861
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,432/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,058
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,024
−HK$982/mo
Today · 4.125%
HK$33,006
baseline
▲ 0.50% · 4.625%
HK$35,014
+HK$2,008/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,012/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,552
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,478
−HK$940/mo
Today · 4.125%
HK$36,418
baseline
▲ 0.50% · 4.625%
HK$38,338
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,836/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,932
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,174
−HK$1,262/mo
Today · 4.125%
HK$42,436
baseline
▲ 0.50% · 4.625%
HK$45,018
+HK$2,582/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,872/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,424
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,615
−HK$1,209/mo
Today · 4.125%
HK$46,824
baseline
▲ 0.50% · 4.625%
HK$49,292
+HK$2,468/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,648/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,886 · 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).