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$22,266
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,958
−HK$704/mo
Today · 4.125%
HK$23,662
baseline
▲ 0.50% · 4.625%
HK$25,102
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,324/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,771
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,435
−HK$674/mo
Today · 4.125%
HK$26,109
baseline
▲ 0.50% · 4.625%
HK$27,485
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,218/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,719
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,550
−HK$845/mo
Today · 4.125%
HK$28,395
baseline
▲ 0.50% · 4.625%
HK$30,122
+HK$1,727/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,790/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,725
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,522
−HK$809/mo
Today · 4.125%
HK$31,331
baseline
▲ 0.50% · 4.625%
HK$32,982
+HK$1,651/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,662/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,172
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,142
−HK$985/mo
Today · 4.125%
HK$33,127
baseline
▲ 0.50% · 4.625%
HK$35,143
+HK$2,016/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,254/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,679
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,609
−HK$943/mo
Today · 4.125%
HK$36,552
baseline
▲ 0.50% · 4.625%
HK$38,479
+HK$1,927/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,104/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,079
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,325
−HK$1,267/mo
Today · 4.125%
HK$42,592
baseline
▲ 0.50% · 4.625%
HK$45,183
+HK$2,591/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$85,184/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,587
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,783
−HK$1,213/mo
Today · 4.125%
HK$46,996
baseline
▲ 0.50% · 4.625%
HK$49,473
+HK$2,477/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$93,992/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,463 · 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).