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$22,258
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,950
−HK$703/mo
Today · 4.125%
HK$23,653
baseline
▲ 0.50% · 4.625%
HK$25,093
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,306/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,761
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,426
−HK$673/mo
Today · 4.125%
HK$26,099
baseline
▲ 0.50% · 4.625%
HK$27,475
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,198/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,709
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,540
−HK$844/mo
Today · 4.125%
HK$28,384
baseline
▲ 0.50% · 4.625%
HK$30,111
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$56,768/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,714
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,511
−HK$808/mo
Today · 4.125%
HK$31,319
baseline
▲ 0.50% · 4.625%
HK$32,970
+HK$1,651/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$62,638/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,161
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,130
−HK$985/mo
Today · 4.125%
HK$33,115
baseline
▲ 0.50% · 4.625%
HK$35,130
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,230/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,666
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,596
−HK$943/mo
Today · 4.125%
HK$36,539
baseline
▲ 0.50% · 4.625%
HK$38,465
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,078/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,064
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,310
−HK$1,266/mo
Today · 4.125%
HK$42,576
baseline
▲ 0.50% · 4.625%
HK$45,167
+HK$2,591/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,152/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,571
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,766
−HK$1,213/mo
Today · 4.125%
HK$46,979
baseline
▲ 0.50% · 4.625%
HK$49,455
+HK$2,476/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,958/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,105 · 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).