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$22,272
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,965
−HK$704/mo
Today · 4.125%
HK$23,669
baseline
▲ 0.50% · 4.625%
HK$25,109
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,338/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,777
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,442
−HK$674/mo
Today · 4.125%
HK$26,116
baseline
▲ 0.50% · 4.625%
HK$27,493
+HK$1,377/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,232/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,726
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,558
−HK$844/mo
Today · 4.125%
HK$28,402
baseline
▲ 0.50% · 4.625%
HK$30,130
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,804/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,733
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,530
−HK$809/mo
Today · 4.125%
HK$31,339
baseline
▲ 0.50% · 4.625%
HK$32,991
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,678/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,181
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,151
−HK$985/mo
Today · 4.125%
HK$33,136
baseline
▲ 0.50% · 4.625%
HK$35,152
+HK$2,016/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,272/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,688
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,618
−HK$944/mo
Today · 4.125%
HK$36,562
baseline
▲ 0.50% · 4.625%
HK$38,490
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,124/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,089
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,336
−HK$1,267/mo
Today · 4.125%
HK$42,603
baseline
▲ 0.50% · 4.625%
HK$45,196
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,206/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,599
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,795
−HK$1,214/mo
Today · 4.125%
HK$47,009
baseline
▲ 0.50% · 4.625%
HK$49,487
+HK$2,478/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,018/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,728 · 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).