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$22,192
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,882
−HK$701/mo
Today · 4.125%
HK$23,583
baseline
▲ 0.50% · 4.625%
HK$25,018
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,166/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,688
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,350
−HK$672/mo
Today · 4.125%
HK$26,022
baseline
▲ 0.50% · 4.625%
HK$27,394
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,044/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,630
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,458
−HK$842/mo
Today · 4.125%
HK$28,300
baseline
▲ 0.50% · 4.625%
HK$30,022
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,600/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,626
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,420
−HK$806/mo
Today · 4.125%
HK$31,226
baseline
▲ 0.50% · 4.625%
HK$32,872
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,452/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,069
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,035
−HK$982/mo
Today · 4.125%
HK$33,017
baseline
▲ 0.50% · 4.625%
HK$35,026
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,034/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,563
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,490
−HK$941/mo
Today · 4.125%
HK$36,431
baseline
▲ 0.50% · 4.625%
HK$38,351
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,862/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,945
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,188
−HK$1,262/mo
Today · 4.125%
HK$42,450
baseline
▲ 0.50% · 4.625%
HK$45,033
+HK$2,583/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,900/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,439
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,630
−HK$1,210/mo
Today · 4.125%
HK$46,840
baseline
▲ 0.50% · 4.625%
HK$49,309
+HK$2,469/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,680/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,215 · 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).