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$1,396/mo
▼ 0.25% · 3.875%
HK$22,943
−HK$704/mo
Today · 4.125%
HK$23,647
baseline
▲ 0.50% · 4.625%
HK$25,085
+HK$1,438/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,294/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,754
−HK$1,338/mo
▼ 0.25% · 3.875%
HK$25,418
−HK$674/mo
Today · 4.125%
HK$26,092
baseline
▲ 0.50% · 4.625%
HK$27,467
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,184/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,701
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,532
−HK$844/mo
Today · 4.125%
HK$28,376
baseline
▲ 0.50% · 4.625%
HK$30,103
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,752/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,705
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,502
−HK$808/mo
Today · 4.125%
HK$31,310
baseline
▲ 0.50% · 4.625%
HK$32,960
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,620/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,152
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,121
−HK$984/mo
Today · 4.125%
HK$33,105
baseline
▲ 0.50% · 4.625%
HK$35,120
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,210/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,656
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,585
−HK$943/mo
Today · 4.125%
HK$36,528
baseline
▲ 0.50% · 4.625%
HK$38,454
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,056/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,052
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,298
−HK$1,266/mo
Today · 4.125%
HK$42,564
baseline
▲ 0.50% · 4.625%
HK$45,154
+HK$2,590/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,128/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,558
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,753
−HK$1,212/mo
Today · 4.125%
HK$46,965
baseline
▲ 0.50% · 4.625%
HK$49,441
+HK$2,476/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,930/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,822 · 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).