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$22,204
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,895
−HK$702/mo
Today · 4.125%
HK$23,597
baseline
▲ 0.50% · 4.625%
HK$25,032
+HK$1,435/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$343,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,702
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,364
−HK$672/mo
Today · 4.125%
HK$26,036
baseline
▲ 0.50% · 4.625%
HK$27,409
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,072/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,645
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,474
−HK$842/mo
Today · 4.125%
HK$28,316
baseline
▲ 0.50% · 4.625%
HK$30,039
+HK$1,723/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,632/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,642
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,437
−HK$807/mo
Today · 4.125%
HK$31,244
baseline
▲ 0.50% · 4.625%
HK$32,891
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,488/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,086
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,053
−HK$982/mo
Today · 4.125%
HK$33,035
baseline
▲ 0.50% · 4.625%
HK$35,045
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,070/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,583
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,510
−HK$941/mo
Today · 4.125%
HK$36,451
baseline
▲ 0.50% · 4.625%
HK$38,372
+HK$1,921/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,902/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,967
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,211
−HK$1,263/mo
Today · 4.125%
HK$42,474
baseline
▲ 0.50% · 4.625%
HK$45,058
+HK$2,584/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$84,948/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,463
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,656
−HK$1,210/mo
Today · 4.125%
HK$46,866
baseline
▲ 0.50% · 4.625%
HK$49,336
+HK$2,470/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$93,732/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,757 · 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).