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$22,271
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,964
−HK$703/mo
Today · 4.125%
HK$23,667
baseline
▲ 0.50% · 4.625%
HK$25,108
+HK$1,441/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,334/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,776
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,441
−HK$674/mo
Today · 4.125%
HK$26,115
baseline
▲ 0.50% · 4.625%
HK$27,491
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,230/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,725
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,556
−HK$845/mo
Today · 4.125%
HK$28,401
baseline
▲ 0.50% · 4.625%
HK$30,129
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,802/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,731
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,529
−HK$809/mo
Today · 4.125%
HK$31,338
baseline
▲ 0.50% · 4.625%
HK$32,990
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,676/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,179
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,149
−HK$985/mo
Today · 4.125%
HK$33,134
baseline
▲ 0.50% · 4.625%
HK$35,151
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,268/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,687
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,617
−HK$944/mo
Today · 4.125%
HK$36,561
baseline
▲ 0.50% · 4.625%
HK$38,488
+HK$1,927/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,122/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,088
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,335
−HK$1,266/mo
Today · 4.125%
HK$42,601
baseline
▲ 0.50% · 4.625%
HK$45,194
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,202/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,597
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,793
−HK$1,214/mo
Today · 4.125%
HK$47,007
baseline
▲ 0.50% · 4.625%
HK$49,484
+HK$2,477/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,014/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,685 · 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).