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$22,196
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,886
−HK$702/mo
Today · 4.125%
HK$23,588
baseline
▲ 0.50% · 4.625%
HK$25,023
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,176/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,693
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,355
−HK$672/mo
Today · 4.125%
HK$26,027
baseline
▲ 0.50% · 4.625%
HK$27,399
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,054/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,635
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,464
−HK$841/mo
Today · 4.125%
HK$28,305
baseline
▲ 0.50% · 4.625%
HK$30,028
+HK$1,723/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,610/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,631
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,426
−HK$806/mo
Today · 4.125%
HK$31,232
baseline
▲ 0.50% · 4.625%
HK$32,879
+HK$1,647/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,464/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,074
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,041
−HK$982/mo
Today · 4.125%
HK$33,023
baseline
▲ 0.50% · 4.625%
HK$35,032
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,046/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,570
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,497
−HK$941/mo
Today · 4.125%
HK$36,438
baseline
▲ 0.50% · 4.625%
HK$38,358
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,876/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,953
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,195
−HK$1,263/mo
Today · 4.125%
HK$42,458
baseline
▲ 0.50% · 4.625%
HK$45,042
+HK$2,584/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,916/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,447
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,639
−HK$1,209/mo
Today · 4.125%
HK$46,848
baseline
▲ 0.50% · 4.625%
HK$49,318
+HK$2,470/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,696/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,398 · 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).