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$22,273
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,966
−HK$704/mo
Today · 4.125%
HK$23,670
baseline
▲ 0.50% · 4.625%
HK$25,110
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,340/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,796 · 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$27,494
+HK$1,376/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$346,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,728
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,560
−HK$844/mo
Today · 4.125%
HK$28,404
baseline
▲ 0.50% · 4.625%
HK$30,133
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,808/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,735
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,532
−HK$809/mo
Today · 4.125%
HK$31,341
baseline
▲ 0.50% · 4.625%
HK$32,993
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,682/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,183
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,153
−HK$985/mo
Today · 4.125%
HK$33,138
baseline
▲ 0.50% · 4.625%
HK$35,155
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,276/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,691
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,621
−HK$944/mo
Today · 4.125%
HK$36,565
baseline
▲ 0.50% · 4.625%
HK$38,492
+HK$1,927/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$346,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,092
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,339
−HK$1,267/mo
Today · 4.125%
HK$42,606
baseline
▲ 0.50% · 4.625%
HK$45,199
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,212/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,602
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,798
−HK$1,214/mo
Today · 4.125%
HK$47,012
baseline
▲ 0.50% · 4.625%
HK$49,490
+HK$2,478/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,024/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,796 · 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).