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$22,208
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$22,898
−HK$702/mo
Today · 4.125%
HK$23,600
baseline
▲ 0.50% · 4.625%
HK$25,036
+HK$1,436/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,200/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,706
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,368
−HK$673/mo
Today · 4.125%
HK$26,041
baseline
▲ 0.50% · 4.625%
HK$27,413
+HK$1,372/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,082/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,649
−HK$1,671/mo
▼ 0.25% · 3.875%
HK$27,478
−HK$842/mo
Today · 4.125%
HK$28,320
baseline
▲ 0.50% · 4.625%
HK$30,043
+HK$1,723/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$56,640/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,647
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,442
−HK$807/mo
Today · 4.125%
HK$31,249
baseline
▲ 0.50% · 4.625%
HK$32,896
+HK$1,647/mo
Deposit HK$3.90M · loan HK$5.84M · min. income ≈ HK$62,498/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,091
−HK$1,949/mo
▼ 0.25% · 3.875%
HK$32,058
−HK$982/mo
Today · 4.125%
HK$33,040
baseline
▲ 0.50% · 4.625%
HK$35,051
+HK$2,011/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,080/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,588
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$35,516
−HK$941/mo
Today · 4.125%
HK$36,457
baseline
▲ 0.50% · 4.625%
HK$38,378
+HK$1,921/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,914/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$343,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,974
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$41,217
−HK$1,263/mo
Today · 4.125%
HK$42,480
baseline
▲ 0.50% · 4.625%
HK$45,065
+HK$2,585/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$84,960/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,470
−HK$2,403/mo
▼ 0.25% · 3.875%
HK$45,663
−HK$1,210/mo
Today · 4.125%
HK$46,873
baseline
▲ 0.50% · 4.625%
HK$49,344
+HK$2,471/mo
Deposit HK$974K · loan HK$8.77M · min. income ≈ HK$93,746/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,909 · 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).