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$22,235
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,926
−HK$703/mo
Today · 4.125%
HK$23,629
baseline
▲ 0.50% · 4.625%
HK$25,067
+HK$1,438/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,258/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,736
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,399
−HK$673/mo
Today · 4.125%
HK$26,072
baseline
▲ 0.50% · 4.625%
HK$27,447
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,144/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,682
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,512
−HK$843/mo
Today · 4.125%
HK$28,355
baseline
▲ 0.50% · 4.625%
HK$30,080
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,710/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,683
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,479
−HK$808/mo
Today · 4.125%
HK$31,287
baseline
▲ 0.50% · 4.625%
HK$32,936
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,574/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,129
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,097
−HK$984/mo
Today · 4.125%
HK$33,081
baseline
▲ 0.50% · 4.625%
HK$35,093
+HK$2,012/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,162/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,630
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,559
−HK$942/mo
Today · 4.125%
HK$36,501
baseline
▲ 0.50% · 4.625%
HK$38,425
+HK$1,924/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,002/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,022
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,267
−HK$1,265/mo
Today · 4.125%
HK$42,532
baseline
▲ 0.50% · 4.625%
HK$45,120
+HK$2,588/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$85,064/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,524
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,719
−HK$1,211/mo
Today · 4.125%
HK$46,930
baseline
▲ 0.50% · 4.625%
HK$49,404
+HK$2,474/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$93,860/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,094 · 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).