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$22,215
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,906
−HK$702/mo
Today · 4.125%
HK$23,608
baseline
▲ 0.50% · 4.625%
HK$25,045
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,216/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,714
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,377
−HK$672/mo
Today · 4.125%
HK$26,049
baseline
▲ 0.50% · 4.625%
HK$27,422
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,098/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,658
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,487
−HK$843/mo
Today · 4.125%
HK$28,330
baseline
▲ 0.50% · 4.625%
HK$30,054
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,660/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,657
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,452
−HK$807/mo
Today · 4.125%
HK$31,259
baseline
▲ 0.50% · 4.625%
HK$32,907
+HK$1,648/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,518/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,101
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,068
−HK$983/mo
Today · 4.125%
HK$33,051
baseline
▲ 0.50% · 4.625%
HK$35,062
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,102/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,600
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,528
−HK$941/mo
Today · 4.125%
HK$36,469
baseline
▲ 0.50% · 4.625%
HK$38,391
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,938/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,987
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,231
−HK$1,264/mo
Today · 4.125%
HK$42,495
baseline
▲ 0.50% · 4.625%
HK$45,080
+HK$2,585/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$84,990/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,485
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,678
−HK$1,211/mo
Today · 4.125%
HK$46,889
baseline
▲ 0.50% · 4.625%
HK$49,360
+HK$2,471/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,778/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,235 · 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).