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$22,265
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,957
−HK$704/mo
Today · 4.125%
HK$23,661
baseline
▲ 0.50% · 4.625%
HK$25,101
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,322/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,769
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,434
−HK$674/mo
Today · 4.125%
HK$26,108
baseline
▲ 0.50% · 4.625%
HK$27,484
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,216/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,718
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,549
−HK$844/mo
Today · 4.125%
HK$28,393
baseline
▲ 0.50% · 4.625%
HK$30,121
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,786/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,723
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,520
−HK$809/mo
Today · 4.125%
HK$31,329
baseline
▲ 0.50% · 4.625%
HK$32,981
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,658/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,171
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,140
−HK$985/mo
Today · 4.125%
HK$33,125
baseline
▲ 0.50% · 4.625%
HK$35,141
+HK$2,016/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,250/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,677
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,607
−HK$944/mo
Today · 4.125%
HK$36,551
baseline
▲ 0.50% · 4.625%
HK$38,477
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,102/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,077
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,323
−HK$1,267/mo
Today · 4.125%
HK$42,590
baseline
▲ 0.50% · 4.625%
HK$45,181
+HK$2,591/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$85,180/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,585
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,781
−HK$1,213/mo
Today · 4.125%
HK$46,994
baseline
▲ 0.50% · 4.625%
HK$49,471
+HK$2,477/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$93,988/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,420 · 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).