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$1,396/mo
▼ 0.25% · 3.875%
HK$22,947
−HK$703/mo
Today · 4.125%
HK$23,650
baseline
▲ 0.50% · 4.625%
HK$25,089
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,300/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$345,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,758
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,422
−HK$673/mo
Today · 4.125%
HK$26,095
baseline
▲ 0.50% · 4.625%
HK$27,471
+HK$1,376/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$345,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,705
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,536
−HK$844/mo
Today · 4.125%
HK$28,380
baseline
▲ 0.50% · 4.625%
HK$30,107
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$56,760/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,709
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,506
−HK$808/mo
Today · 4.125%
HK$31,314
baseline
▲ 0.50% · 4.625%
HK$32,965
+HK$1,651/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$345,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,156
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,125
−HK$985/mo
Today · 4.125%
HK$33,110
baseline
▲ 0.50% · 4.625%
HK$35,125
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,220/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,661
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,590
−HK$943/mo
Today · 4.125%
HK$36,533
baseline
▲ 0.50% · 4.625%
HK$38,459
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,066/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,058
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,304
−HK$1,266/mo
Today · 4.125%
HK$42,570
baseline
▲ 0.50% · 4.625%
HK$45,160
+HK$2,590/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,140/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,564
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,759
−HK$1,213/mo
Today · 4.125%
HK$46,972
baseline
▲ 0.50% · 4.625%
HK$49,448
+HK$2,476/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,944/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,959 · 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).