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$22,183
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,873
−HK$701/mo
Today · 4.125%
HK$23,574
baseline
▲ 0.50% · 4.625%
HK$25,009
+HK$1,435/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,148/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,678
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,340
−HK$672/mo
Today · 4.125%
HK$26,012
baseline
▲ 0.50% · 4.625%
HK$27,383
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,024/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,620
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,448
−HK$841/mo
Today · 4.125%
HK$28,289
baseline
▲ 0.50% · 4.625%
HK$30,010
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,578/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,614
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,408
−HK$806/mo
Today · 4.125%
HK$31,214
baseline
▲ 0.50% · 4.625%
HK$32,859
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,428/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,056
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,022
−HK$982/mo
Today · 4.125%
HK$33,004
baseline
▲ 0.50% · 4.625%
HK$35,012
+HK$2,008/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,008/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,550
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,476
−HK$940/mo
Today · 4.125%
HK$36,416
baseline
▲ 0.50% · 4.625%
HK$38,336
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,832/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,930
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,172
−HK$1,261/mo
Today · 4.125%
HK$42,433
baseline
▲ 0.50% · 4.625%
HK$45,015
+HK$2,582/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,866/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,421
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,613
−HK$1,208/mo
Today · 4.125%
HK$46,821
baseline
▲ 0.50% · 4.625%
HK$49,289
+HK$2,468/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,642/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,832 · 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).