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$22,250
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,942
−HK$703/mo
Today · 4.125%
HK$23,645
baseline
▲ 0.50% · 4.625%
HK$25,084
+HK$1,439/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$345,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,753
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,417
−HK$673/mo
Today · 4.125%
HK$26,090
baseline
▲ 0.50% · 4.625%
HK$27,466
+HK$1,376/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$345,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,700
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,531
−HK$844/mo
Today · 4.125%
HK$28,375
baseline
▲ 0.50% · 4.625%
HK$30,101
+HK$1,726/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$345,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,704
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,500
−HK$809/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$345,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,150
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,119
−HK$985/mo
Today · 4.125%
HK$33,104
baseline
▲ 0.50% · 4.625%
HK$35,118
+HK$2,014/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$345,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,654
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,584
−HK$943/mo
Today · 4.125%
HK$36,527
baseline
▲ 0.50% · 4.625%
HK$38,452
+HK$1,925/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$345,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,050
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,296
−HK$1,266/mo
Today · 4.125%
HK$42,562
baseline
▲ 0.50% · 4.625%
HK$45,152
+HK$2,590/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,124/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,556
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,751
−HK$1,212/mo
Today · 4.125%
HK$46,963
baseline
▲ 0.50% · 4.625%
HK$49,438
+HK$2,475/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,926/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,776 · 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).