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$22,249
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,941
−HK$703/mo
Today · 4.125%
HK$23,644
baseline
▲ 0.50% · 4.625%
HK$25,083
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,288/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,752
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,415
−HK$674/mo
Today · 4.125%
HK$26,089
baseline
▲ 0.50% · 4.625%
HK$27,464
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,178/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,699
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,529
−HK$844/mo
Today · 4.125%
HK$28,373
baseline
▲ 0.50% · 4.625%
HK$30,099
+HK$1,726/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,746/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,702
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,498
−HK$809/mo
Today · 4.125%
HK$31,307
baseline
▲ 0.50% · 4.625%
HK$32,957
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,614/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,148
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,117
−HK$985/mo
Today · 4.125%
HK$33,102
baseline
▲ 0.50% · 4.625%
HK$35,116
+HK$2,014/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,204/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,652
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,581
−HK$943/mo
Today · 4.125%
HK$36,524
baseline
▲ 0.50% · 4.625%
HK$38,450
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,048/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,048
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,294
−HK$1,265/mo
Today · 4.125%
HK$42,559
baseline
▲ 0.50% · 4.625%
HK$45,149
+HK$2,590/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,118/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,553
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,748
−HK$1,212/mo
Today · 4.125%
HK$46,960
baseline
▲ 0.50% · 4.625%
HK$49,435
+HK$2,475/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,920/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,714 · 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).