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$22,274
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,967
−HK$704/mo
Today · 4.125%
HK$23,671
baseline
▲ 0.50% · 4.625%
HK$25,111
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,342/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,779
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,444
−HK$674/mo
Today · 4.125%
HK$26,118
baseline
▲ 0.50% · 4.625%
HK$27,495
+HK$1,377/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,236/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,729
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,560
−HK$845/mo
Today · 4.125%
HK$28,405
baseline
▲ 0.50% · 4.625%
HK$30,133
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,810/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,735
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,533
−HK$809/mo
Today · 4.125%
HK$31,342
baseline
▲ 0.50% · 4.625%
HK$32,994
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,684/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,183
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,153
−HK$986/mo
Today · 4.125%
HK$33,139
baseline
▲ 0.50% · 4.625%
HK$35,155
+HK$2,016/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,278/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,691
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,622
−HK$943/mo
Today · 4.125%
HK$36,565
baseline
▲ 0.50% · 4.625%
HK$38,493
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,130/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,093
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,340
−HK$1,267/mo
Today · 4.125%
HK$42,607
baseline
▲ 0.50% · 4.625%
HK$45,200
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,214/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,603
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,799
−HK$1,214/mo
Today · 4.125%
HK$47,013
baseline
▲ 0.50% · 4.625%
HK$49,491
+HK$2,478/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,026/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,813 · 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).