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$22,273
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,966
−HK$703/mo
Today · 4.125%
HK$23,669
baseline
▲ 0.50% · 4.625%
HK$25,110
+HK$1,441/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,338/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,778
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,443
−HK$674/mo
Today · 4.125%
HK$26,117
baseline
▲ 0.50% · 4.625%
HK$27,494
+HK$1,377/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,234/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,727
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,559
−HK$844/mo
Today · 4.125%
HK$28,403
baseline
▲ 0.50% · 4.625%
HK$30,132
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,806/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,734
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,531
−HK$809/mo
Today · 4.125%
HK$31,340
baseline
▲ 0.50% · 4.625%
HK$32,992
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,680/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,182
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,152
−HK$985/mo
Today · 4.125%
HK$33,137
baseline
▲ 0.50% · 4.625%
HK$35,154
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,274/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,690
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,620
−HK$944/mo
Today · 4.125%
HK$36,564
baseline
▲ 0.50% · 4.625%
HK$38,491
+HK$1,927/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,128/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,091
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,338
−HK$1,267/mo
Today · 4.125%
HK$42,605
baseline
▲ 0.50% · 4.625%
HK$45,197
+HK$2,592/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,210/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,601
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,797
−HK$1,213/mo
Today · 4.125%
HK$47,010
baseline
▲ 0.50% · 4.625%
HK$49,488
+HK$2,478/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,020/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,766 · 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).