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$22,211
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,902
−HK$702/mo
Today · 4.125%
HK$23,604
baseline
▲ 0.50% · 4.625%
HK$25,040
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,208/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$344,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,709
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,372
−HK$672/mo
Today · 4.125%
HK$26,044
baseline
▲ 0.50% · 4.625%
HK$27,417
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,088/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$344,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,653
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,482
−HK$842/mo
Today · 4.125%
HK$28,324
baseline
▲ 0.50% · 4.625%
HK$30,048
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,648/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,651
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,446
−HK$807/mo
Today · 4.125%
HK$31,253
baseline
▲ 0.50% · 4.625%
HK$32,900
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,506/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,095
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,062
−HK$983/mo
Today · 4.125%
HK$33,045
baseline
▲ 0.50% · 4.625%
HK$35,056
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,090/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,593
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,521
−HK$941/mo
Today · 4.125%
HK$36,462
baseline
▲ 0.50% · 4.625%
HK$38,384
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,924/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,979
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,223
−HK$1,263/mo
Today · 4.125%
HK$42,486
baseline
▲ 0.50% · 4.625%
HK$45,072
+HK$2,586/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$84,972/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,477
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,669
−HK$1,211/mo
Today · 4.125%
HK$46,880
baseline
▲ 0.50% · 4.625%
HK$49,351
+HK$2,471/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,760/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,046 · 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).