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$22,275
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,967
−HK$704/mo
Today · 4.125%
HK$23,671
baseline
▲ 0.50% · 4.625%
HK$25,112
+HK$1,441/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,342/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,780
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,445
−HK$674/mo
Today · 4.125%
HK$26,119
baseline
▲ 0.50% · 4.625%
HK$27,496
+HK$1,377/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,238/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,729
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,561
−HK$845/mo
Today · 4.125%
HK$28,406
baseline
▲ 0.50% · 4.625%
HK$30,134
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,812/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,736
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,534
−HK$809/mo
Today · 4.125%
HK$31,343
baseline
▲ 0.50% · 4.625%
HK$32,995
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,686/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,184
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,154
−HK$986/mo
Today · 4.125%
HK$33,140
baseline
▲ 0.50% · 4.625%
HK$35,156
+HK$2,016/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,280/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,692
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,623
−HK$944/mo
Today · 4.125%
HK$36,567
baseline
▲ 0.50% · 4.625%
HK$38,494
+HK$1,927/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,134/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,094
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,341
−HK$1,267/mo
Today · 4.125%
HK$42,608
baseline
▲ 0.50% · 4.625%
HK$45,201
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,216/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,604
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,801
−HK$1,213/mo
Today · 4.125%
HK$47,014
baseline
▲ 0.50% · 4.625%
HK$49,492
+HK$2,478/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,028/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,846 · 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).