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$22,195
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,885
−HK$701/mo
Today · 4.125%
HK$23,586
baseline
▲ 0.50% · 4.625%
HK$25,022
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,172/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,691
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,354
−HK$671/mo
Today · 4.125%
HK$26,025
baseline
▲ 0.50% · 4.625%
HK$27,397
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,050/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,634
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,462
−HK$842/mo
Today · 4.125%
HK$28,304
baseline
▲ 0.50% · 4.625%
HK$30,026
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,608/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,630
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,424
−HK$806/mo
Today · 4.125%
HK$31,230
baseline
▲ 0.50% · 4.625%
HK$32,877
+HK$1,647/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,460/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,073
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,039
−HK$982/mo
Today · 4.125%
HK$33,021
baseline
▲ 0.50% · 4.625%
HK$35,030
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,042/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,568
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,495
−HK$940/mo
Today · 4.125%
HK$36,435
baseline
▲ 0.50% · 4.625%
HK$38,356
+HK$1,921/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,870/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,950
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,193
−HK$1,263/mo
Today · 4.125%
HK$42,456
baseline
▲ 0.50% · 4.625%
HK$45,039
+HK$2,583/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,912/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,444
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,636
−HK$1,210/mo
Today · 4.125%
HK$46,846
baseline
▲ 0.50% · 4.625%
HK$49,315
+HK$2,469/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,692/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,340 · 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).