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$22,197
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,887
−HK$702/mo
Today · 4.125%
HK$23,589
baseline
▲ 0.50% · 4.625%
HK$25,024
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,178/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,694
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,356
−HK$672/mo
Today · 4.125%
HK$26,028
baseline
▲ 0.50% · 4.625%
HK$27,400
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,056/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,636
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,465
−HK$842/mo
Today · 4.125%
HK$28,307
baseline
▲ 0.50% · 4.625%
HK$30,029
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,614/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,632
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,427
−HK$806/mo
Today · 4.125%
HK$31,233
baseline
▲ 0.50% · 4.625%
HK$32,880
+HK$1,647/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,466/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,076
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,042
−HK$982/mo
Today · 4.125%
HK$33,024
baseline
▲ 0.50% · 4.625%
HK$35,034
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,048/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,571
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,498
−HK$941/mo
Today · 4.125%
HK$36,439
baseline
▲ 0.50% · 4.625%
HK$38,360
+HK$1,921/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,878/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,954
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,197
−HK$1,263/mo
Today · 4.125%
HK$42,460
baseline
▲ 0.50% · 4.625%
HK$45,043
+HK$2,583/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,920/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,449
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,641
−HK$1,209/mo
Today · 4.125%
HK$46,850
baseline
▲ 0.50% · 4.625%
HK$49,320
+HK$2,470/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,700/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,436 · 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).