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$22,252
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$22,945
−HK$703/mo
Today · 4.125%
HK$23,648
baseline
▲ 0.50% · 4.625%
HK$25,087
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,296/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$345,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,756
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,420
−HK$673/mo
Today · 4.125%
HK$26,093
baseline
▲ 0.50% · 4.625%
HK$27,469
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,186/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$345,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,703
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,534
−HK$843/mo
Today · 4.125%
HK$28,377
baseline
▲ 0.50% · 4.625%
HK$30,104
+HK$1,727/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$56,754/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,707
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,504
−HK$808/mo
Today · 4.125%
HK$31,312
baseline
▲ 0.50% · 4.625%
HK$32,962
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$62,624/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,153
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,123
−HK$984/mo
Today · 4.125%
HK$33,107
baseline
▲ 0.50% · 4.625%
HK$35,122
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,214/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,658
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,587
−HK$943/mo
Today · 4.125%
HK$36,530
baseline
▲ 0.50% · 4.625%
HK$38,456
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,060/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,054
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,300
−HK$1,266/mo
Today · 4.125%
HK$42,566
baseline
▲ 0.50% · 4.625%
HK$45,156
+HK$2,590/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,132/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,560
−HK$2,408/mo
▼ 0.25% · 3.875%
HK$45,755
−HK$1,213/mo
Today · 4.125%
HK$46,968
baseline
▲ 0.50% · 4.625%
HK$49,443
+HK$2,475/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,936/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,877 · 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).