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$22,261
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,953
−HK$704/mo
Today · 4.125%
HK$23,657
baseline
▲ 0.50% · 4.625%
HK$25,096
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,314/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,765
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,429
−HK$674/mo
Today · 4.125%
HK$26,103
baseline
▲ 0.50% · 4.625%
HK$27,479
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,206/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,713
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,544
−HK$844/mo
Today · 4.125%
HK$28,388
baseline
▲ 0.50% · 4.625%
HK$30,115
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$56,776/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,718
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,515
−HK$808/mo
Today · 4.125%
HK$31,323
baseline
▲ 0.50% · 4.625%
HK$32,974
+HK$1,651/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$62,646/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,165
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,134
−HK$985/mo
Today · 4.125%
HK$33,119
baseline
▲ 0.50% · 4.625%
HK$35,134
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,238/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,671
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,601
−HK$943/mo
Today · 4.125%
HK$36,544
baseline
▲ 0.50% · 4.625%
HK$38,470
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,088/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,069
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,316
−HK$1,266/mo
Today · 4.125%
HK$42,582
baseline
▲ 0.50% · 4.625%
HK$45,173
+HK$2,591/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$85,164/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,577
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,772
−HK$1,213/mo
Today · 4.125%
HK$46,985
baseline
▲ 0.50% · 4.625%
HK$49,462
+HK$2,477/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$93,970/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,236 · 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).