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$22,186
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,876
−HK$701/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$342,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,681
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,343
−HK$672/mo
Today · 4.125%
HK$26,015
baseline
▲ 0.50% · 4.625%
HK$27,386
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,030/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,623
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,451
−HK$841/mo
Today · 4.125%
HK$28,292
baseline
▲ 0.50% · 4.625%
HK$30,014
+HK$1,722/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$342,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,617
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,412
−HK$806/mo
Today · 4.125%
HK$31,218
baseline
▲ 0.50% · 4.625%
HK$32,863
+HK$1,645/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,436/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,060
−HK$1,947/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$342,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,554
−HK$1,866/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$342,940 · 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$342,940 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,426
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,618
−HK$1,208/mo
Today · 4.125%
HK$46,826
baseline
▲ 0.50% · 4.625%
HK$49,295
+HK$2,469/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$342,940 · 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).