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$1,393/mo
▼ 0.25% · 3.875%
HK$22,894
−HK$702/mo
Today · 4.125%
HK$23,596
baseline
▲ 0.50% · 4.625%
HK$25,031
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,192/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,701
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,363
−HK$672/mo
Today · 4.125%
HK$26,035
baseline
▲ 0.50% · 4.625%
HK$27,408
+HK$1,373/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$343,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,644
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,473
−HK$842/mo
Today · 4.125%
HK$28,315
baseline
▲ 0.50% · 4.625%
HK$30,037
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,630/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,641
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,436
−HK$806/mo
Today · 4.125%
HK$31,242
baseline
▲ 0.50% · 4.625%
HK$32,889
+HK$1,647/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$343,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,084
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,051
−HK$983/mo
Today · 4.125%
HK$33,034
baseline
▲ 0.50% · 4.625%
HK$35,044
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,068/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,581
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,509
−HK$940/mo
Today · 4.125%
HK$36,449
baseline
▲ 0.50% · 4.625%
HK$38,371
+HK$1,922/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$343,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,966
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,209
−HK$1,263/mo
Today · 4.125%
HK$42,472
baseline
▲ 0.50% · 4.625%
HK$45,056
+HK$2,584/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$84,944/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,461
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,654
−HK$1,210/mo
Today · 4.125%
HK$46,864
baseline
▲ 0.50% · 4.625%
HK$49,334
+HK$2,470/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$93,728/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,715 · 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).