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$22,263
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,956
−HK$703/mo
Today · 4.125%
HK$23,659
baseline
▲ 0.50% · 4.625%
HK$25,099
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,318/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,767
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,432
−HK$673/mo
Today · 4.125%
HK$26,105
baseline
▲ 0.50% · 4.625%
HK$27,482
+HK$1,377/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,210/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,716
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,547
−HK$844/mo
Today · 4.125%
HK$28,391
baseline
▲ 0.50% · 4.625%
HK$30,118
+HK$1,727/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,782/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,721
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,518
−HK$809/mo
Today · 4.125%
HK$31,327
baseline
▲ 0.50% · 4.625%
HK$32,978
+HK$1,651/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,654/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,168
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,138
−HK$985/mo
Today · 4.125%
HK$33,123
baseline
▲ 0.50% · 4.625%
HK$35,138
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,246/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,674
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,604
−HK$944/mo
Today · 4.125%
HK$36,548
baseline
▲ 0.50% · 4.625%
HK$38,474
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,096/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,073
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,320
−HK$1,266/mo
Today · 4.125%
HK$42,586
baseline
▲ 0.50% · 4.625%
HK$45,178
+HK$2,592/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$85,172/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,581
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,777
−HK$1,213/mo
Today · 4.125%
HK$46,990
baseline
▲ 0.50% · 4.625%
HK$49,467
+HK$2,477/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$93,980/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,338 · 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).