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$22,207
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,897
−HK$702/mo
Today · 4.125%
HK$23,599
baseline
▲ 0.50% · 4.625%
HK$25,035
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,198/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,705
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,367
−HK$672/mo
Today · 4.125%
HK$26,039
baseline
▲ 0.50% · 4.625%
HK$27,412
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,078/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,648
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,477
−HK$842/mo
Today · 4.125%
HK$28,319
baseline
▲ 0.50% · 4.625%
HK$30,042
+HK$1,723/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,638/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,646
−HK$1,601/mo
▼ 0.25% · 3.875%
HK$30,441
−HK$806/mo
Today · 4.125%
HK$31,247
baseline
▲ 0.50% · 4.625%
HK$32,894
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,494/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,089
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,056
−HK$983/mo
Today · 4.125%
HK$33,039
baseline
▲ 0.50% · 4.625%
HK$35,049
+HK$2,010/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,078/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,587
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$35,514
−HK$941/mo
Today · 4.125%
HK$36,455
baseline
▲ 0.50% · 4.625%
HK$38,377
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,910/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,972
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,215
−HK$1,264/mo
Today · 4.125%
HK$42,479
baseline
▲ 0.50% · 4.625%
HK$45,063
+HK$2,584/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$84,958/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,468
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,661
−HK$1,210/mo
Today · 4.125%
HK$46,871
baseline
▲ 0.50% · 4.625%
HK$49,342
+HK$2,471/mo
Deposit HK$974K · loan HK$8.76M · min. income ≈ HK$93,742/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,867 · 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).