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$22,250
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,942
−HK$703/mo
Today · 4.125%
HK$23,645
baseline
▲ 0.50% · 4.625%
HK$25,084
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,290/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,753
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,417
−HK$673/mo
Today · 4.125%
HK$26,090
baseline
▲ 0.50% · 4.625%
HK$27,465
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,180/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,700
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,530
−HK$844/mo
Today · 4.125%
HK$28,374
baseline
▲ 0.50% · 4.625%
HK$30,101
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,748/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,703
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,500
−HK$808/mo
Today · 4.125%
HK$31,308
baseline
▲ 0.50% · 4.625%
HK$32,958
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,616/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,150
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,119
−HK$984/mo
Today · 4.125%
HK$33,103
baseline
▲ 0.50% · 4.625%
HK$35,117
+HK$2,014/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,206/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,654
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,583
−HK$943/mo
Today · 4.125%
HK$36,526
baseline
▲ 0.50% · 4.625%
HK$38,451
+HK$1,925/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,052/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,050
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,295
−HK$1,266/mo
Today · 4.125%
HK$42,561
baseline
▲ 0.50% · 4.625%
HK$45,151
+HK$2,590/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,122/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,555
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,750
−HK$1,212/mo
Today · 4.125%
HK$46,962
baseline
▲ 0.50% · 4.625%
HK$49,437
+HK$2,475/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,924/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,759 · 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).