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$22,269
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,962
−HK$703/mo
Today · 4.125%
HK$23,665
baseline
▲ 0.50% · 4.625%
HK$25,105
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,330/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,774
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,438
−HK$674/mo
Today · 4.125%
HK$26,112
baseline
▲ 0.50% · 4.625%
HK$27,489
+HK$1,377/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,224/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,723
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,554
−HK$844/mo
Today · 4.125%
HK$28,398
baseline
▲ 0.50% · 4.625%
HK$30,126
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,796/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,729
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,526
−HK$809/mo
Today · 4.125%
HK$31,335
baseline
▲ 0.50% · 4.625%
HK$32,987
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,670/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,176
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,146
−HK$986/mo
Today · 4.125%
HK$33,132
baseline
▲ 0.50% · 4.625%
HK$35,147
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,264/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,684
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,614
−HK$943/mo
Today · 4.125%
HK$36,557
baseline
▲ 0.50% · 4.625%
HK$38,484
+HK$1,927/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,114/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,084
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,331
−HK$1,267/mo
Today · 4.125%
HK$42,598
baseline
▲ 0.50% · 4.625%
HK$45,190
+HK$2,592/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,196/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,593
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,789
−HK$1,213/mo
Today · 4.125%
HK$47,002
baseline
▲ 0.50% · 4.625%
HK$49,480
+HK$2,478/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,004/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,597 · 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).