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$22,205
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,896
−HK$701/mo
Today · 4.125%
HK$23,597
baseline
▲ 0.50% · 4.625%
HK$25,033
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,194/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,703
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,365
−HK$672/mo
Today · 4.125%
HK$26,037
baseline
▲ 0.50% · 4.625%
HK$27,410
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,074/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,646
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,475
−HK$842/mo
Today · 4.125%
HK$28,317
baseline
▲ 0.50% · 4.625%
HK$30,040
+HK$1,723/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,634/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,643
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,438
−HK$807/mo
Today · 4.125%
HK$31,245
baseline
▲ 0.50% · 4.625%
HK$32,892
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,490/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,087
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,054
−HK$982/mo
Today · 4.125%
HK$33,036
baseline
▲ 0.50% · 4.625%
HK$35,047
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,072/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,584
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,512
−HK$940/mo
Today · 4.125%
HK$36,452
baseline
▲ 0.50% · 4.625%
HK$38,374
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,904/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,969
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,212
−HK$1,263/mo
Today · 4.125%
HK$42,475
baseline
▲ 0.50% · 4.625%
HK$45,060
+HK$2,585/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$84,950/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,465
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,658
−HK$1,209/mo
Today · 4.125%
HK$46,867
baseline
▲ 0.50% · 4.625%
HK$49,338
+HK$2,471/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$93,734/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,795 · 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).