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$22,206
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,897
−HK$701/mo
Today · 4.125%
HK$23,598
baseline
▲ 0.50% · 4.625%
HK$25,034
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,196/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,704
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,366
−HK$673/mo
Today · 4.125%
HK$26,039
baseline
▲ 0.50% · 4.625%
HK$27,411
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,078/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,647
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,476
−HK$842/mo
Today · 4.125%
HK$28,318
baseline
▲ 0.50% · 4.625%
HK$30,041
+HK$1,723/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,636/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,645
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,440
−HK$806/mo
Today · 4.125%
HK$31,246
baseline
▲ 0.50% · 4.625%
HK$32,893
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,492/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,088
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,055
−HK$983/mo
Today · 4.125%
HK$33,038
baseline
▲ 0.50% · 4.625%
HK$35,048
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,076/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,586
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,513
−HK$941/mo
Today · 4.125%
HK$36,454
baseline
▲ 0.50% · 4.625%
HK$38,376
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,908/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,971
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,214
−HK$1,263/mo
Today · 4.125%
HK$42,477
baseline
▲ 0.50% · 4.625%
HK$45,062
+HK$2,585/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$84,954/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,467
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,660
−HK$1,209/mo
Today · 4.125%
HK$46,869
baseline
▲ 0.50% · 4.625%
HK$49,340
+HK$2,471/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$93,738/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,838 · 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).