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$22,247
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,939
−HK$704/mo
Today · 4.125%
HK$23,643
baseline
▲ 0.50% · 4.625%
HK$25,081
+HK$1,438/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,286/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,750
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,414
−HK$673/mo
Today · 4.125%
HK$26,087
baseline
▲ 0.50% · 4.625%
HK$27,462
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,174/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,697
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,527
−HK$844/mo
Today · 4.125%
HK$28,371
baseline
▲ 0.50% · 4.625%
HK$30,097
+HK$1,726/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,742/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,700
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,497
−HK$808/mo
Today · 4.125%
HK$31,305
baseline
▲ 0.50% · 4.625%
HK$32,955
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,610/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,146
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,115
−HK$985/mo
Today · 4.125%
HK$33,100
baseline
▲ 0.50% · 4.625%
HK$35,114
+HK$2,014/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,200/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,650
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,579
−HK$943/mo
Today · 4.125%
HK$36,522
baseline
▲ 0.50% · 4.625%
HK$38,447
+HK$1,925/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,044/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,045
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,291
−HK$1,266/mo
Today · 4.125%
HK$42,557
baseline
▲ 0.50% · 4.625%
HK$45,146
+HK$2,589/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,114/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,550
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,745
−HK$1,212/mo
Today · 4.125%
HK$46,957
baseline
▲ 0.50% · 4.625%
HK$49,432
+HK$2,475/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,914/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,655 · 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).