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$22,217
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,908
−HK$702/mo
Today · 4.125%
HK$23,610
baseline
▲ 0.50% · 4.625%
HK$25,046
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,220/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,716
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,379
−HK$672/mo
Today · 4.125%
HK$26,051
baseline
▲ 0.50% · 4.625%
HK$27,424
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,102/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,660
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,489
−HK$843/mo
Today · 4.125%
HK$28,332
baseline
▲ 0.50% · 4.625%
HK$30,056
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,664/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,659
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,454
−HK$807/mo
Today · 4.125%
HK$31,261
baseline
▲ 0.50% · 4.625%
HK$32,909
+HK$1,648/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,522/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,103
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,071
−HK$983/mo
Today · 4.125%
HK$33,054
baseline
▲ 0.50% · 4.625%
HK$35,065
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,108/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,602
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,530
−HK$942/mo
Today · 4.125%
HK$36,472
baseline
▲ 0.50% · 4.625%
HK$38,394
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,944/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,990
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,234
−HK$1,264/mo
Today · 4.125%
HK$42,498
baseline
▲ 0.50% · 4.625%
HK$45,084
+HK$2,586/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$84,996/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,488
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,682
−HK$1,210/mo
Today · 4.125%
HK$46,892
baseline
▲ 0.50% · 4.625%
HK$49,364
+HK$2,472/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,784/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,306 · 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).