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$22,270
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,963
−HK$703/mo
Today · 4.125%
HK$23,666
baseline
▲ 0.50% · 4.625%
HK$25,106
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,332/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,775
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,439
−HK$674/mo
Today · 4.125%
HK$26,113
baseline
▲ 0.50% · 4.625%
HK$27,490
+HK$1,377/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,226/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,724
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,555
−HK$845/mo
Today · 4.125%
HK$28,400
baseline
▲ 0.50% · 4.625%
HK$30,128
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,800/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,730
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,527
−HK$809/mo
Today · 4.125%
HK$31,336
baseline
▲ 0.50% · 4.625%
HK$32,988
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,672/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,178
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,148
−HK$985/mo
Today · 4.125%
HK$33,133
baseline
▲ 0.50% · 4.625%
HK$35,149
+HK$2,016/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,266/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,685
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,615
−HK$944/mo
Today · 4.125%
HK$36,559
baseline
▲ 0.50% · 4.625%
HK$38,486
+HK$1,927/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,118/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,086
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,333
−HK$1,266/mo
Today · 4.125%
HK$42,599
baseline
▲ 0.50% · 4.625%
HK$45,191
+HK$2,592/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,198/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,595
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,791
−HK$1,213/mo
Today · 4.125%
HK$47,004
baseline
▲ 0.50% · 4.625%
HK$49,482
+HK$2,478/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,008/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,637 · 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).