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$22,245
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,937
−HK$703/mo
Today · 4.125%
HK$23,640
baseline
▲ 0.50% · 4.625%
HK$25,079
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,280/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,748
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,411
−HK$674/mo
Today · 4.125%
HK$26,085
baseline
▲ 0.50% · 4.625%
HK$27,460
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,170/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,694
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,525
−HK$843/mo
Today · 4.125%
HK$28,368
baseline
▲ 0.50% · 4.625%
HK$30,094
+HK$1,726/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,736/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,697
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,494
−HK$807/mo
Today · 4.125%
HK$31,301
baseline
▲ 0.50% · 4.625%
HK$32,951
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,602/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,143
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,112
−HK$984/mo
Today · 4.125%
HK$33,096
baseline
▲ 0.50% · 4.625%
HK$35,110
+HK$2,014/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,192/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,647
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,576
−HK$942/mo
Today · 4.125%
HK$36,518
baseline
▲ 0.50% · 4.625%
HK$38,443
+HK$1,925/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,036/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,041
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,287
−HK$1,265/mo
Today · 4.125%
HK$42,552
baseline
▲ 0.50% · 4.625%
HK$45,141
+HK$2,589/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,104/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,546
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,740
−HK$1,212/mo
Today · 4.125%
HK$46,952
baseline
▲ 0.50% · 4.625%
HK$49,427
+HK$2,475/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,904/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,556 · 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).