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$1,395/mo
▼ 0.25% · 3.875%
HK$22,951
−HK$703/mo
Today · 4.125%
HK$23,654
baseline
▲ 0.50% · 4.625%
HK$25,094
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,308/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,762
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,426
−HK$674/mo
Today · 4.125%
HK$26,100
baseline
▲ 0.50% · 4.625%
HK$27,476
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,200/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,710
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,541
−HK$844/mo
Today · 4.125%
HK$28,385
baseline
▲ 0.50% · 4.625%
HK$30,112
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$56,770/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,715
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,512
−HK$808/mo
Today · 4.125%
HK$31,320
baseline
▲ 0.50% · 4.625%
HK$32,971
+HK$1,651/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$62,640/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,162
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,131
−HK$985/mo
Today · 4.125%
HK$33,116
baseline
▲ 0.50% · 4.625%
HK$35,131
+HK$2,015/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$346,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,667
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,597
−HK$943/mo
Today · 4.125%
HK$36,540
baseline
▲ 0.50% · 4.625%
HK$38,466
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,080/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,065
−HK$2,513/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$346,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,572
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,768
−HK$1,212/mo
Today · 4.125%
HK$46,980
baseline
▲ 0.50% · 4.625%
HK$49,457
+HK$2,477/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$93,960/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,141 · 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).