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$22,200
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,891
−HK$701/mo
Today · 4.125%
HK$23,592
baseline
▲ 0.50% · 4.625%
HK$25,028
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,184/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,697
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,360
−HK$672/mo
Today · 4.125%
HK$26,032
baseline
▲ 0.50% · 4.625%
HK$27,404
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,064/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,640
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,469
−HK$842/mo
Today · 4.125%
HK$28,311
baseline
▲ 0.50% · 4.625%
HK$30,033
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,622/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,637
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,432
−HK$806/mo
Today · 4.125%
HK$31,238
baseline
▲ 0.50% · 4.625%
HK$32,885
+HK$1,647/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,476/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,080
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,047
−HK$982/mo
Today · 4.125%
HK$33,029
baseline
▲ 0.50% · 4.625%
HK$35,039
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,058/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,576
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,504
−HK$940/mo
Today · 4.125%
HK$36,444
baseline
▲ 0.50% · 4.625%
HK$38,365
+HK$1,921/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,888/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,960
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,203
−HK$1,263/mo
Today · 4.125%
HK$42,466
baseline
▲ 0.50% · 4.625%
HK$45,050
+HK$2,584/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$84,932/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,455
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,647
−HK$1,210/mo
Today · 4.125%
HK$46,857
baseline
▲ 0.50% · 4.625%
HK$49,327
+HK$2,470/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$93,714/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,578 · 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).