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$22,254
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,946
−HK$703/mo
Today · 4.125%
HK$23,649
baseline
▲ 0.50% · 4.625%
HK$25,088
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,298/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$345,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,757
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,421
−HK$674/mo
Today · 4.125%
HK$26,095
baseline
▲ 0.50% · 4.625%
HK$27,470
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,190/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$345,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,704
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,535
−HK$844/mo
Today · 4.125%
HK$28,379
baseline
▲ 0.50% · 4.625%
HK$30,106
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$56,758/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,708
−HK$1,606/mo
▼ 0.25% · 3.875%
HK$30,505
−HK$809/mo
Today · 4.125%
HK$31,314
baseline
▲ 0.50% · 4.625%
HK$32,964
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$62,628/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,155
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,124
−HK$985/mo
Today · 4.125%
HK$33,109
baseline
▲ 0.50% · 4.625%
HK$35,124
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,218/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,660
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,589
−HK$943/mo
Today · 4.125%
HK$36,532
baseline
▲ 0.50% · 4.625%
HK$38,458
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,064/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,057
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,303
−HK$1,266/mo
Today · 4.125%
HK$42,569
baseline
▲ 0.50% · 4.625%
HK$45,159
+HK$2,590/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,138/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,563
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,758
−HK$1,212/mo
Today · 4.125%
HK$46,970
baseline
▲ 0.50% · 4.625%
HK$49,446
+HK$2,476/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,940/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,932 · 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).