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$1,397/mo
▼ 0.25% · 3.875%
HK$22,968
−HK$704/mo
Today · 4.125%
HK$23,672
baseline
▲ 0.50% · 4.625%
HK$25,113
+HK$1,441/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,344/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,781
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,446
−HK$674/mo
Today · 4.125%
HK$26,120
baseline
▲ 0.50% · 4.625%
HK$27,497
+HK$1,377/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,240/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,730
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,562
−HK$845/mo
Today · 4.125%
HK$28,407
baseline
▲ 0.50% · 4.625%
HK$30,135
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,814/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,737
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,535
−HK$809/mo
Today · 4.125%
HK$31,344
baseline
▲ 0.50% · 4.625%
HK$32,996
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,688/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,186
−HK$1,955/mo
▼ 0.25% · 3.875%
HK$32,156
−HK$985/mo
Today · 4.125%
HK$33,141
baseline
▲ 0.50% · 4.625%
HK$35,158
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,282/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,694
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,624
−HK$944/mo
Today · 4.125%
HK$36,568
baseline
▲ 0.50% · 4.625%
HK$38,496
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,136/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,096
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,343
−HK$1,267/mo
Today · 4.125%
HK$42,610
baseline
▲ 0.50% · 4.625%
HK$45,203
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,220/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,606
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,802
−HK$1,214/mo
Today · 4.125%
HK$47,016
baseline
▲ 0.50% · 4.625%
HK$49,494
+HK$2,478/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,032/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,881 · 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).