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$22,187
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$22,877
−HK$701/mo
Today · 4.125%
HK$23,578
baseline
▲ 0.50% · 4.625%
HK$25,013
+HK$1,435/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$47,156/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,683
−HK$1,333/mo
▼ 0.25% · 3.875%
HK$25,345
−HK$671/mo
Today · 4.125%
HK$26,016
baseline
▲ 0.50% · 4.625%
HK$27,387
+HK$1,371/mo
Deposit HK$4.86M · loan HK$4.86M · min. income ≈ HK$52,032/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$342,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,624
−HK$1,670/mo
▼ 0.25% · 3.875%
HK$27,452
−HK$842/mo
Today · 4.125%
HK$28,294
baseline
▲ 0.50% · 4.625%
HK$30,015
+HK$1,721/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,588/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,619
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,413
−HK$806/mo
Today · 4.125%
HK$31,219
baseline
▲ 0.50% · 4.625%
HK$32,865
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,438/mo (50% DSR)
Upfront cash ≈ HK$4.23M (deposit + AVD stamp duty HK$342,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,061
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,028
−HK$981/mo
Today · 4.125%
HK$33,009
baseline
▲ 0.50% · 4.625%
HK$35,018
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,018/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,556
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$35,482
−HK$940/mo
Today · 4.125%
HK$36,422
baseline
▲ 0.50% · 4.625%
HK$38,342
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,844/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$342,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,936
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,178
−HK$1,263/mo
Today · 4.125%
HK$42,441
baseline
▲ 0.50% · 4.625%
HK$45,023
+HK$2,582/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,882/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,429
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,620
−HK$1,209/mo
Today · 4.125%
HK$46,829
baseline
▲ 0.50% · 4.625%
HK$49,297
+HK$2,468/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,658/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$342,995 · 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).