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$22,192
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,883
−HK$701/mo
Today · 4.125%
HK$23,584
baseline
▲ 0.50% · 4.625%
HK$25,019
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,168/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,689
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,351
−HK$672/mo
Today · 4.125%
HK$26,023
baseline
▲ 0.50% · 4.625%
HK$27,394
+HK$1,371/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,046/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,631
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,459
−HK$842/mo
Today · 4.125%
HK$28,301
baseline
▲ 0.50% · 4.625%
HK$30,023
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,602/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,626
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,421
−HK$806/mo
Today · 4.125%
HK$31,227
baseline
▲ 0.50% · 4.625%
HK$32,873
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,454/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,069
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,036
−HK$981/mo
Today · 4.125%
HK$33,017
baseline
▲ 0.50% · 4.625%
HK$35,027
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,034/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,564
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,491
−HK$941/mo
Today · 4.125%
HK$36,432
baseline
▲ 0.50% · 4.625%
HK$38,352
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,864/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,946
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,189
−HK$1,262/mo
Today · 4.125%
HK$42,451
baseline
▲ 0.50% · 4.625%
HK$45,034
+HK$2,583/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,902/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,440
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,631
−HK$1,210/mo
Today · 4.125%
HK$46,841
baseline
▲ 0.50% · 4.625%
HK$49,310
+HK$2,469/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,682/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,236 · 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).