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$22,955
−HK$704/mo
Today · 4.125%
HK$23,659
baseline
▲ 0.50% · 4.625%
HK$25,098
+HK$1,439/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$346,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,767
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,431
−HK$674/mo
Today · 4.125%
HK$26,105
baseline
▲ 0.50% · 4.625%
HK$27,481
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,210/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,715
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,546
−HK$844/mo
Today · 4.125%
HK$28,390
baseline
▲ 0.50% · 4.625%
HK$30,118
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,780/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,720
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,517
−HK$809/mo
Today · 4.125%
HK$31,326
baseline
▲ 0.50% · 4.625%
HK$32,977
+HK$1,651/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,652/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,168
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,137
−HK$985/mo
Today · 4.125%
HK$33,122
baseline
▲ 0.50% · 4.625%
HK$35,137
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,244/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,674
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,604
−HK$943/mo
Today · 4.125%
HK$36,547
baseline
▲ 0.50% · 4.625%
HK$38,473
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,094/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,073
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,319
−HK$1,266/mo
Today · 4.125%
HK$42,585
baseline
▲ 0.50% · 4.625%
HK$45,177
+HK$2,592/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$85,170/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,580
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,776
−HK$1,213/mo
Today · 4.125%
HK$46,989
baseline
▲ 0.50% · 4.625%
HK$49,466
+HK$2,477/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$93,978/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,318 · 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).