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$1,392/mo
▼ 0.25% · 3.875%
HK$22,877
−HK$702/mo
Today · 4.125%
HK$23,579
baseline
▲ 0.50% · 4.625%
HK$25,013
+HK$1,434/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,158/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,683
−HK$1,334/mo
▼ 0.25% · 3.875%
HK$25,345
−HK$672/mo
Today · 4.125%
HK$26,017
baseline
▲ 0.50% · 4.625%
HK$27,388
+HK$1,371/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,034/mo (50% DSR)
Upfront cash ≈ HK$5.21M (deposit + AVD stamp duty HK$343,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,625
−HK$1,669/mo
▼ 0.25% · 3.875%
HK$27,453
−HK$841/mo
Today · 4.125%
HK$28,294
baseline
▲ 0.50% · 4.625%
HK$30,016
+HK$1,722/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$56,588/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,620
−HK$1,600/mo
▼ 0.25% · 3.875%
HK$30,414
−HK$806/mo
Today · 4.125%
HK$31,220
baseline
▲ 0.50% · 4.625%
HK$32,866
+HK$1,646/mo
Deposit HK$3.89M · loan HK$5.84M · min. income ≈ HK$62,440/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$343,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,062
−HK$1,948/mo
▼ 0.25% · 3.875%
HK$32,028
−HK$982/mo
Today · 4.125%
HK$33,010
baseline
▲ 0.50% · 4.625%
HK$35,019
+HK$2,009/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$66,020/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,556
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$35,483
−HK$940/mo
Today · 4.125%
HK$36,423
baseline
▲ 0.50% · 4.625%
HK$38,343
+HK$1,920/mo
Deposit HK$2.92M · loan HK$6.81M · min. income ≈ HK$72,846/mo (50% DSR)
Upfront cash ≈ HK$3.26M (deposit + AVD stamp duty HK$343,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,937
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,179
−HK$1,263/mo
Today · 4.125%
HK$42,442
baseline
▲ 0.50% · 4.625%
HK$45,024
+HK$2,582/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$84,884/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,430
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,621
−HK$1,209/mo
Today · 4.125%
HK$46,830
baseline
▲ 0.50% · 4.625%
HK$49,299
+HK$2,469/mo
Deposit HK$973K · loan HK$8.76M · min. income ≈ HK$93,660/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$343,020 · 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).