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$22,185
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,875
−HK$702/mo
Today · 4.125%
HK$23,577
baseline
▲ 0.50% · 4.625%
HK$25,011
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,154/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,681
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,343
−HK$671/mo
Today · 4.125%
HK$26,014
baseline
▲ 0.50% · 4.625%
HK$27,386
+HK$1,372/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,028/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,622
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,450
−HK$842/mo
Today · 4.125%
HK$28,292
baseline
▲ 0.50% · 4.625%
HK$30,013
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,584/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,617
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,411
−HK$806/mo
Today · 4.125%
HK$31,217
baseline
▲ 0.50% · 4.625%
HK$32,863
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,434/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,059
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,026
−HK$981/mo
Today · 4.125%
HK$33,007
baseline
▲ 0.50% · 4.625%
HK$35,016
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,014/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,553
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,480
−HK$940/mo
Today · 4.125%
HK$36,420
baseline
▲ 0.50% · 4.625%
HK$38,340
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,840/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,934
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,176
−HK$1,262/mo
Today · 4.125%
HK$42,438
baseline
▲ 0.50% · 4.625%
HK$45,020
+HK$2,582/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,876/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,426
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,617
−HK$1,209/mo
Today · 4.125%
HK$46,826
baseline
▲ 0.50% · 4.625%
HK$49,294
+HK$2,468/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,652/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,930 · 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).