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$22,184
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,874
−HK$701/mo
Today · 4.125%
HK$23,575
baseline
▲ 0.50% · 4.625%
HK$25,009
+HK$1,434/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,150/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,679
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,341
−HK$672/mo
Today · 4.125%
HK$26,013
baseline
▲ 0.50% · 4.625%
HK$27,384
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,026/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,621
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,449
−HK$841/mo
Today · 4.125%
HK$28,290
baseline
▲ 0.50% · 4.625%
HK$30,011
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,580/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,615
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,409
−HK$806/mo
Today · 4.125%
HK$31,215
baseline
▲ 0.50% · 4.625%
HK$32,861
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,430/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,057
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,024
−HK$981/mo
Today · 4.125%
HK$33,005
baseline
▲ 0.50% · 4.625%
HK$35,013
+HK$2,008/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,010/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,551
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,478
−HK$940/mo
Today · 4.125%
HK$36,418
baseline
▲ 0.50% · 4.625%
HK$38,337
+HK$1,919/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,836/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,931
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,173
−HK$1,262/mo
Today · 4.125%
HK$42,435
baseline
▲ 0.50% · 4.625%
HK$45,017
+HK$2,582/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,870/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,423
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,614
−HK$1,209/mo
Today · 4.125%
HK$46,823
baseline
▲ 0.50% · 4.625%
HK$49,291
+HK$2,468/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,646/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,869 · 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).