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$22,260
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,952
−HK$703/mo
Today · 4.125%
HK$23,655
baseline
▲ 0.50% · 4.625%
HK$25,095
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,310/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,764
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,428
−HK$673/mo
Today · 4.125%
HK$26,101
baseline
▲ 0.50% · 4.625%
HK$27,477
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,202/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,711
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,542
−HK$844/mo
Today · 4.125%
HK$28,386
baseline
▲ 0.50% · 4.625%
HK$30,114
+HK$1,728/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$56,772/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,716
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,513
−HK$809/mo
Today · 4.125%
HK$31,322
baseline
▲ 0.50% · 4.625%
HK$32,973
+HK$1,651/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$62,644/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,163
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,133
−HK$985/mo
Today · 4.125%
HK$33,118
baseline
▲ 0.50% · 4.625%
HK$35,133
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,236/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,669
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,599
−HK$943/mo
Today · 4.125%
HK$36,542
baseline
▲ 0.50% · 4.625%
HK$38,468
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,084/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,067
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,314
−HK$1,266/mo
Today · 4.125%
HK$42,580
baseline
▲ 0.50% · 4.625%
HK$45,171
+HK$2,591/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$85,160/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,574
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,770
−HK$1,213/mo
Today · 4.125%
HK$46,983
baseline
▲ 0.50% · 4.625%
HK$49,459
+HK$2,476/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$93,966/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,187 · 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).