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$22,265
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,958
−HK$703/mo
Today · 4.125%
HK$23,661
baseline
▲ 0.50% · 4.625%
HK$25,101
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,322/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,770
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,434
−HK$674/mo
Today · 4.125%
HK$26,108
baseline
▲ 0.50% · 4.625%
HK$27,484
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,216/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,718
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,549
−HK$845/mo
Today · 4.125%
HK$28,394
baseline
▲ 0.50% · 4.625%
HK$30,121
+HK$1,727/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,788/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,724
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,521
−HK$809/mo
Today · 4.125%
HK$31,330
baseline
▲ 0.50% · 4.625%
HK$32,981
+HK$1,651/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,660/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,171
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,141
−HK$985/mo
Today · 4.125%
HK$33,126
baseline
▲ 0.50% · 4.625%
HK$35,142
+HK$2,016/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,252/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,678
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,608
−HK$943/mo
Today · 4.125%
HK$36,551
baseline
▲ 0.50% · 4.625%
HK$38,478
+HK$1,927/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,102/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,077
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,324
−HK$1,267/mo
Today · 4.125%
HK$42,591
baseline
▲ 0.50% · 4.625%
HK$45,182
+HK$2,591/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$85,182/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,586
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,781
−HK$1,214/mo
Today · 4.125%
HK$46,995
baseline
▲ 0.50% · 4.625%
HK$49,472
+HK$2,477/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$93,990/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,435 · 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).