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$22,266
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,959
−HK$703/mo
Today · 4.125%
HK$23,662
baseline
▲ 0.50% · 4.625%
HK$25,102
+HK$1,440/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,324/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,771
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,435
−HK$674/mo
Today · 4.125%
HK$26,109
baseline
▲ 0.50% · 4.625%
HK$27,485
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,218/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$346,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,719
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,551
−HK$844/mo
Today · 4.125%
HK$28,395
baseline
▲ 0.50% · 4.625%
HK$30,123
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,790/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,725
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,522
−HK$809/mo
Today · 4.125%
HK$31,331
baseline
▲ 0.50% · 4.625%
HK$32,983
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,662/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$346,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,173
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,142
−HK$985/mo
Today · 4.125%
HK$33,127
baseline
▲ 0.50% · 4.625%
HK$35,143
+HK$2,016/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,254/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,679
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,609
−HK$944/mo
Today · 4.125%
HK$36,553
baseline
▲ 0.50% · 4.625%
HK$38,480
+HK$1,927/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,106/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$346,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,079
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$41,326
−HK$1,266/mo
Today · 4.125%
HK$42,592
baseline
▲ 0.50% · 4.625%
HK$45,184
+HK$2,592/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$85,184/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,588
−HK$2,409/mo
▼ 0.25% · 3.875%
HK$45,783
−HK$1,214/mo
Today · 4.125%
HK$46,997
baseline
▲ 0.50% · 4.625%
HK$49,474
+HK$2,477/mo
Deposit HK$976K · loan HK$8.79M · min. income ≈ HK$93,994/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$346,477 · 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).