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$22,204
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,894
−HK$702/mo
Today · 4.125%
HK$23,596
baseline
▲ 0.50% · 4.625%
HK$25,032
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,192/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,701
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,364
−HK$672/mo
Today · 4.125%
HK$26,036
baseline
▲ 0.50% · 4.625%
HK$27,408
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,072/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,644
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,473
−HK$842/mo
Today · 4.125%
HK$28,315
baseline
▲ 0.50% · 4.625%
HK$30,038
+HK$1,723/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,630/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,642
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,437
−HK$806/mo
Today · 4.125%
HK$31,243
baseline
▲ 0.50% · 4.625%
HK$32,890
+HK$1,647/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,486/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,085
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,052
−HK$982/mo
Today · 4.125%
HK$33,034
baseline
▲ 0.50% · 4.625%
HK$35,044
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,068/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,582
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,509
−HK$941/mo
Today · 4.125%
HK$36,450
baseline
▲ 0.50% · 4.625%
HK$38,372
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,900/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,967
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,210
−HK$1,263/mo
Today · 4.125%
HK$42,473
baseline
▲ 0.50% · 4.625%
HK$45,057
+HK$2,584/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$84,946/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,462
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,655
−HK$1,210/mo
Today · 4.125%
HK$46,865
baseline
▲ 0.50% · 4.625%
HK$49,335
+HK$2,470/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$93,730/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,734 · 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).