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$22,251
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,943
−HK$703/mo
Today · 4.125%
HK$23,646
baseline
▲ 0.50% · 4.625%
HK$25,085
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,292/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,754
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,417
−HK$674/mo
Today · 4.125%
HK$26,091
baseline
▲ 0.50% · 4.625%
HK$27,466
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,182/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,701
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,531
−HK$844/mo
Today · 4.125%
HK$28,375
baseline
▲ 0.50% · 4.625%
HK$30,102
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,750/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,704
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,501
−HK$808/mo
Today · 4.125%
HK$31,309
baseline
▲ 0.50% · 4.625%
HK$32,959
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,618/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,151
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,120
−HK$984/mo
Today · 4.125%
HK$33,104
baseline
▲ 0.50% · 4.625%
HK$35,119
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,208/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,655
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,584
−HK$943/mo
Today · 4.125%
HK$36,527
baseline
▲ 0.50% · 4.625%
HK$38,453
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,054/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,051
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,297
−HK$1,266/mo
Today · 4.125%
HK$42,563
baseline
▲ 0.50% · 4.625%
HK$45,152
+HK$2,589/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,126/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,556
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,751
−HK$1,213/mo
Today · 4.125%
HK$46,964
baseline
▲ 0.50% · 4.625%
HK$49,439
+HK$2,475/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,928/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,794 · 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).