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$22,238
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,930
−HK$702/mo
Today · 4.125%
HK$23,632
baseline
▲ 0.50% · 4.625%
HK$25,070
+HK$1,438/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,264/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,739
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,403
−HK$673/mo
Today · 4.125%
HK$26,076
baseline
▲ 0.50% · 4.625%
HK$27,451
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,152/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,685
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,516
−HK$843/mo
Today · 4.125%
HK$28,359
baseline
▲ 0.50% · 4.625%
HK$30,084
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,718/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,687
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,484
−HK$807/mo
Today · 4.125%
HK$31,291
baseline
▲ 0.50% · 4.625%
HK$32,941
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,582/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,133
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,101
−HK$984/mo
Today · 4.125%
HK$33,085
baseline
▲ 0.50% · 4.625%
HK$35,099
+HK$2,014/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,170/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,635
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,564
−HK$942/mo
Today · 4.125%
HK$36,506
baseline
▲ 0.50% · 4.625%
HK$38,431
+HK$1,925/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,012/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,028
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,273
−HK$1,265/mo
Today · 4.125%
HK$42,538
baseline
▲ 0.50% · 4.625%
HK$45,127
+HK$2,589/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$85,076/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,531
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,725
−HK$1,212/mo
Today · 4.125%
HK$46,937
baseline
▲ 0.50% · 4.625%
HK$49,411
+HK$2,474/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$93,874/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,238 · 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).