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$1,396/mo
▼ 0.25% · 3.875%
HK$22,941
−HK$704/mo
Today · 4.125%
HK$23,645
baseline
▲ 0.50% · 4.625%
HK$25,083
+HK$1,438/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$345,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,752
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,416
−HK$674/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$345,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,699
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,530
−HK$844/mo
Today · 4.125%
HK$28,374
baseline
▲ 0.50% · 4.625%
HK$30,100
+HK$1,726/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$345,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,703
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,499
−HK$808/mo
Today · 4.125%
HK$31,307
baseline
▲ 0.50% · 4.625%
HK$32,958
+HK$1,651/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$345,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,149
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,118
−HK$984/mo
Today · 4.125%
HK$33,102
baseline
▲ 0.50% · 4.625%
HK$35,117
+HK$2,015/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$345,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,653
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,582
−HK$943/mo
Today · 4.125%
HK$36,525
baseline
▲ 0.50% · 4.625%
HK$38,451
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,050/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,049
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,295
−HK$1,265/mo
Today · 4.125%
HK$42,560
baseline
▲ 0.50% · 4.625%
HK$45,150
+HK$2,590/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,120/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,554
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,749
−HK$1,212/mo
Today · 4.125%
HK$46,961
baseline
▲ 0.50% · 4.625%
HK$49,436
+HK$2,475/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,922/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,741 · 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).