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$22,243
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,935
−HK$703/mo
Today · 4.125%
HK$23,638
baseline
▲ 0.50% · 4.625%
HK$25,076
+HK$1,438/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,276/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,745
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,409
−HK$673/mo
Today · 4.125%
HK$26,082
baseline
▲ 0.50% · 4.625%
HK$27,457
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,164/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,692
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,522
−HK$843/mo
Today · 4.125%
HK$28,365
baseline
▲ 0.50% · 4.625%
HK$30,091
+HK$1,726/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,730/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,694
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,491
−HK$807/mo
Today · 4.125%
HK$31,298
baseline
▲ 0.50% · 4.625%
HK$32,948
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,596/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,140
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,109
−HK$984/mo
Today · 4.125%
HK$33,093
baseline
▲ 0.50% · 4.625%
HK$35,107
+HK$2,014/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,186/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,643
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,572
−HK$943/mo
Today · 4.125%
HK$36,515
baseline
▲ 0.50% · 4.625%
HK$38,440
+HK$1,925/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,030/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,037
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,283
−HK$1,265/mo
Today · 4.125%
HK$42,548
baseline
▲ 0.50% · 4.625%
HK$45,137
+HK$2,589/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$85,096/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,541
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,736
−HK$1,212/mo
Today · 4.125%
HK$46,948
baseline
▲ 0.50% · 4.625%
HK$49,422
+HK$2,474/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$93,896/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,463 · 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).