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$22,276
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,969
−HK$704/mo
Today · 4.125%
HK$23,673
baseline
▲ 0.50% · 4.625%
HK$25,114
+HK$1,441/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,346/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,782
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,447
−HK$674/mo
Today · 4.125%
HK$26,121
baseline
▲ 0.50% · 4.625%
HK$27,498
+HK$1,377/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,242/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,731
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,563
−HK$845/mo
Today · 4.125%
HK$28,408
baseline
▲ 0.50% · 4.625%
HK$30,136
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,816/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,738
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,536
−HK$809/mo
Today · 4.125%
HK$31,345
baseline
▲ 0.50% · 4.625%
HK$32,997
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,690/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,187
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,157
−HK$985/mo
Today · 4.125%
HK$33,142
baseline
▲ 0.50% · 4.625%
HK$35,159
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,284/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,695
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,625
−HK$944/mo
Today · 4.125%
HK$36,569
baseline
▲ 0.50% · 4.625%
HK$38,497
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,138/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,097
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,344
−HK$1,268/mo
Today · 4.125%
HK$42,612
baseline
▲ 0.50% · 4.625%
HK$45,204
+HK$2,592/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,224/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,608
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,804
−HK$1,214/mo
Today · 4.125%
HK$47,018
baseline
▲ 0.50% · 4.625%
HK$49,496
+HK$2,478/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,036/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,918 · 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).