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$22,237
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,928
−HK$703/mo
Today · 4.125%
HK$23,631
baseline
▲ 0.50% · 4.625%
HK$25,069
+HK$1,438/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,262/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,738
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,402
−HK$673/mo
Today · 4.125%
HK$26,075
baseline
▲ 0.50% · 4.625%
HK$27,449
+HK$1,374/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,150/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,684
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,514
−HK$843/mo
Today · 4.125%
HK$28,357
baseline
▲ 0.50% · 4.625%
HK$30,083
+HK$1,726/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,714/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,686
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,482
−HK$808/mo
Today · 4.125%
HK$31,290
baseline
▲ 0.50% · 4.625%
HK$32,939
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,580/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,131
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,100
−HK$984/mo
Today · 4.125%
HK$33,084
baseline
▲ 0.50% · 4.625%
HK$35,097
+HK$2,013/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,168/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,633
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,562
−HK$942/mo
Today · 4.125%
HK$36,504
baseline
▲ 0.50% · 4.625%
HK$38,429
+HK$1,925/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,008/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,026
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,271
−HK$1,265/mo
Today · 4.125%
HK$42,536
baseline
▲ 0.50% · 4.625%
HK$45,124
+HK$2,588/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$85,072/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,183 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,529
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,723
−HK$1,211/mo
Today · 4.125%
HK$46,934
baseline
▲ 0.50% · 4.625%
HK$49,408
+HK$2,474/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$93,868/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,183 · 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).