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$22,257
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,949
−HK$703/mo
Today · 4.125%
HK$23,652
baseline
▲ 0.50% · 4.625%
HK$25,091
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,304/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,760
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,424
−HK$674/mo
Today · 4.125%
HK$26,098
baseline
▲ 0.50% · 4.625%
HK$27,474
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,196/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,708
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,539
−HK$844/mo
Today · 4.125%
HK$28,383
baseline
▲ 0.50% · 4.625%
HK$30,110
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$56,766/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,712
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,509
−HK$809/mo
Today · 4.125%
HK$31,318
baseline
▲ 0.50% · 4.625%
HK$32,968
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$62,636/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,159
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,129
−HK$984/mo
Today · 4.125%
HK$33,113
baseline
▲ 0.50% · 4.625%
HK$35,128
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,226/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,664
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,594
−HK$943/mo
Today · 4.125%
HK$36,537
baseline
▲ 0.50% · 4.625%
HK$38,463
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,074/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,062
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,308
−HK$1,266/mo
Today · 4.125%
HK$42,574
baseline
▲ 0.50% · 4.625%
HK$45,165
+HK$2,591/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,148/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,568
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,764
−HK$1,212/mo
Today · 4.125%
HK$46,976
baseline
▲ 0.50% · 4.625%
HK$49,453
+HK$2,477/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,952/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,058 · 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).