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$22,259
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,951
−HK$704/mo
Today · 4.125%
HK$23,655
baseline
▲ 0.50% · 4.625%
HK$25,094
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,310/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,763
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,427
−HK$674/mo
Today · 4.125%
HK$26,101
baseline
▲ 0.50% · 4.625%
HK$27,476
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,202/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,711
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,541
−HK$845/mo
Today · 4.125%
HK$28,386
baseline
▲ 0.50% · 4.625%
HK$30,113
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$56,772/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,715
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,512
−HK$809/mo
Today · 4.125%
HK$31,321
baseline
▲ 0.50% · 4.625%
HK$32,972
+HK$1,651/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$62,642/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,162
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,132
−HK$984/mo
Today · 4.125%
HK$33,116
baseline
▲ 0.50% · 4.625%
HK$35,132
+HK$2,016/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,232/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,668
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,598
−HK$943/mo
Today · 4.125%
HK$36,541
baseline
▲ 0.50% · 4.625%
HK$38,467
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,082/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,066
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,312
−HK$1,266/mo
Today · 4.125%
HK$42,578
baseline
▲ 0.50% · 4.625%
HK$45,169
+HK$2,591/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$85,156/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,573
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,768
−HK$1,213/mo
Today · 4.125%
HK$46,981
baseline
▲ 0.50% · 4.625%
HK$49,457
+HK$2,476/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$93,962/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,154 · 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).