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$22,263
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,956
−HK$703/mo
Today · 4.125%
HK$23,659
baseline
▲ 0.50% · 4.625%
HK$25,099
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,318/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,768
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,432
−HK$674/mo
Today · 4.125%
HK$26,106
baseline
▲ 0.50% · 4.625%
HK$27,482
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,212/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,716
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,547
−HK$844/mo
Today · 4.125%
HK$28,391
baseline
▲ 0.50% · 4.625%
HK$30,119
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,782/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,721
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,518
−HK$809/mo
Today · 4.125%
HK$31,327
baseline
▲ 0.50% · 4.625%
HK$32,978
+HK$1,651/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,654/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,169
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,138
−HK$985/mo
Today · 4.125%
HK$33,123
baseline
▲ 0.50% · 4.625%
HK$35,139
+HK$2,016/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,246/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,675
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,605
−HK$943/mo
Today · 4.125%
HK$36,548
baseline
▲ 0.50% · 4.625%
HK$38,475
+HK$1,927/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,096/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,074
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,320
−HK$1,267/mo
Today · 4.125%
HK$42,587
baseline
▲ 0.50% · 4.625%
HK$45,178
+HK$2,591/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$85,174/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,582
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,777
−HK$1,213/mo
Today · 4.125%
HK$46,990
baseline
▲ 0.50% · 4.625%
HK$49,467
+HK$2,477/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$93,980/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,348 · 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).