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$22,277
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,970
−HK$704/mo
Today · 4.125%
HK$23,674
baseline
▲ 0.50% · 4.625%
HK$25,114
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,348/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,783
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,448
−HK$674/mo
Today · 4.125%
HK$26,122
baseline
▲ 0.50% · 4.625%
HK$27,499
+HK$1,377/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,244/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,732
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,564
−HK$845/mo
Today · 4.125%
HK$28,409
baseline
▲ 0.50% · 4.625%
HK$30,137
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,818/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,739
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,537
−HK$809/mo
Today · 4.125%
HK$31,346
baseline
▲ 0.50% · 4.625%
HK$32,998
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,692/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,188
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,158
−HK$985/mo
Today · 4.125%
HK$33,143
baseline
▲ 0.50% · 4.625%
HK$35,160
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,286/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,696
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,627
−HK$944/mo
Today · 4.125%
HK$36,571
baseline
▲ 0.50% · 4.625%
HK$38,498
+HK$1,927/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,142/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,099
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,346
−HK$1,267/mo
Today · 4.125%
HK$42,613
baseline
▲ 0.50% · 4.625%
HK$45,206
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,226/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,609
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,806
−HK$1,213/mo
Today · 4.125%
HK$47,019
baseline
▲ 0.50% · 4.625%
HK$49,498
+HK$2,479/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,038/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,950 · 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).