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$22,203
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,893
−HK$702/mo
Today · 4.125%
HK$23,595
baseline
▲ 0.50% · 4.625%
HK$25,031
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,190/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,700
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,363
−HK$672/mo
Today · 4.125%
HK$26,035
baseline
▲ 0.50% · 4.625%
HK$27,407
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,070/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,643
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,472
−HK$842/mo
Today · 4.125%
HK$28,314
baseline
▲ 0.50% · 4.625%
HK$30,037
+HK$1,723/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,628/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,640
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,435
−HK$807/mo
Today · 4.125%
HK$31,242
baseline
▲ 0.50% · 4.625%
HK$32,888
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,484/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,084
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,051
−HK$982/mo
Today · 4.125%
HK$33,033
baseline
▲ 0.50% · 4.625%
HK$35,043
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,066/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,580
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,508
−HK$941/mo
Today · 4.125%
HK$36,449
baseline
▲ 0.50% · 4.625%
HK$38,370
+HK$1,921/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,898/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,965
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,208
−HK$1,263/mo
Today · 4.125%
HK$42,471
baseline
▲ 0.50% · 4.625%
HK$45,055
+HK$2,584/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$84,942/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,460
−HK$2,402/mo
▼ 0.25% · 3.875%
HK$45,653
−HK$1,209/mo
Today · 4.125%
HK$46,862
baseline
▲ 0.50% · 4.625%
HK$49,333
+HK$2,471/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$93,724/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,690 · 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).