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$22,213
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,904
−HK$702/mo
Today · 4.125%
HK$23,606
baseline
▲ 0.50% · 4.625%
HK$25,042
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,212/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$344,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,711
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,374
−HK$673/mo
Today · 4.125%
HK$26,047
baseline
▲ 0.50% · 4.625%
HK$27,420
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,094/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$344,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,655
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,484
−HK$843/mo
Today · 4.125%
HK$28,327
baseline
▲ 0.50% · 4.625%
HK$30,050
+HK$1,723/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,654/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,654
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,449
−HK$807/mo
Today · 4.125%
HK$31,256
baseline
▲ 0.50% · 4.625%
HK$32,903
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,512/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,098
−HK$1,950/mo
▼ 0.25% · 3.875%
HK$32,065
−HK$983/mo
Today · 4.125%
HK$33,048
baseline
▲ 0.50% · 4.625%
HK$35,059
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,096/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,596
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,524
−HK$941/mo
Today · 4.125%
HK$36,465
baseline
▲ 0.50% · 4.625%
HK$38,387
+HK$1,922/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,930/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,983
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$41,227
−HK$1,263/mo
Today · 4.125%
HK$42,490
baseline
▲ 0.50% · 4.625%
HK$45,076
+HK$2,586/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$84,980/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,481
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,674
−HK$1,210/mo
Today · 4.125%
HK$46,884
baseline
▲ 0.50% · 4.625%
HK$49,355
+HK$2,471/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,768/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,135 · 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).