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$1,395/mo
▼ 0.25% · 3.875%
HK$22,944
−HK$703/mo
Today · 4.125%
HK$23,647
baseline
▲ 0.50% · 4.625%
HK$25,086
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,294/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$345,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,755
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,419
−HK$673/mo
Today · 4.125%
HK$26,092
baseline
▲ 0.50% · 4.625%
HK$27,468
+HK$1,376/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,184/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$345,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,702
−HK$1,675/mo
▼ 0.25% · 3.875%
HK$27,533
−HK$844/mo
Today · 4.125%
HK$28,377
baseline
▲ 0.50% · 4.625%
HK$30,103
+HK$1,726/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$345,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,706
−HK$1,605/mo
▼ 0.25% · 3.875%
HK$30,503
−HK$808/mo
Today · 4.125%
HK$31,311
baseline
▲ 0.50% · 4.625%
HK$32,961
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.86M · min. income ≈ HK$62,622/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,153
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,122
−HK$984/mo
Today · 4.125%
HK$33,106
baseline
▲ 0.50% · 4.625%
HK$35,121
+HK$2,015/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,212/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,657
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,586
−HK$943/mo
Today · 4.125%
HK$36,529
baseline
▲ 0.50% · 4.625%
HK$38,455
+HK$1,926/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,058/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,053
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$41,299
−HK$1,266/mo
Today · 4.125%
HK$42,565
baseline
▲ 0.50% · 4.625%
HK$45,155
+HK$2,590/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$85,130/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,559
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,754
−HK$1,212/mo
Today · 4.125%
HK$46,966
baseline
▲ 0.50% · 4.625%
HK$49,442
+HK$2,476/mo
Deposit HK$976K · loan HK$8.78M · min. income ≈ HK$93,932/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,849 · 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).