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$22,208
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,899
−HK$702/mo
Today · 4.125%
HK$23,601
baseline
▲ 0.50% · 4.625%
HK$25,037
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,202/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,707
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,369
−HK$672/mo
Today · 4.125%
HK$26,041
baseline
▲ 0.50% · 4.625%
HK$27,414
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,082/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,650
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,479
−HK$842/mo
Today · 4.125%
HK$28,321
baseline
▲ 0.50% · 4.625%
HK$30,045
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,642/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,648
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,443
−HK$807/mo
Today · 4.125%
HK$31,250
baseline
▲ 0.50% · 4.625%
HK$32,897
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,500/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,092
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,059
−HK$983/mo
Today · 4.125%
HK$33,042
baseline
▲ 0.50% · 4.625%
HK$35,052
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,084/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,589
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,517
−HK$941/mo
Today · 4.125%
HK$36,458
baseline
▲ 0.50% · 4.625%
HK$38,380
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,916/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,975
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,219
−HK$1,263/mo
Today · 4.125%
HK$42,482
baseline
▲ 0.50% · 4.625%
HK$45,067
+HK$2,585/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$84,964/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,472
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,665
−HK$1,210/mo
Today · 4.125%
HK$46,875
baseline
▲ 0.50% · 4.625%
HK$49,345
+HK$2,470/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,750/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,945 · 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).