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$22,193
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,883
−HK$702/mo
Today · 4.125%
HK$23,585
baseline
▲ 0.50% · 4.625%
HK$25,020
+HK$1,435/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,170/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,689
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,352
−HK$671/mo
Today · 4.125%
HK$26,023
baseline
▲ 0.50% · 4.625%
HK$27,395
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,046/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,632
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,460
−HK$842/mo
Today · 4.125%
HK$28,302
baseline
▲ 0.50% · 4.625%
HK$30,024
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,604/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,627
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,422
−HK$806/mo
Today · 4.125%
HK$31,228
baseline
▲ 0.50% · 4.625%
HK$32,874
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,456/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,070
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,037
−HK$982/mo
Today · 4.125%
HK$33,019
baseline
▲ 0.50% · 4.625%
HK$35,028
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,038/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,565
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,492
−HK$941/mo
Today · 4.125%
HK$36,433
baseline
▲ 0.50% · 4.625%
HK$38,353
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,866/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,947
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,190
−HK$1,262/mo
Today · 4.125%
HK$42,452
baseline
▲ 0.50% · 4.625%
HK$45,036
+HK$2,584/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,904/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,441
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,633
−HK$1,209/mo
Today · 4.125%
HK$46,842
baseline
▲ 0.50% · 4.625%
HK$49,311
+HK$2,469/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,684/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,268 · 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).