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$22,240
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,932
−HK$703/mo
Today · 4.125%
HK$23,635
baseline
▲ 0.50% · 4.625%
HK$25,073
+HK$1,438/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,270/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,742
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,406
−HK$673/mo
Today · 4.125%
HK$26,079
baseline
▲ 0.50% · 4.625%
HK$27,454
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,158/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,688
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,519
−HK$843/mo
Today · 4.125%
HK$28,362
baseline
▲ 0.50% · 4.625%
HK$30,088
+HK$1,726/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,724/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,691
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,487
−HK$808/mo
Today · 4.125%
HK$31,295
baseline
▲ 0.50% · 4.625%
HK$32,944
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,590/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,137
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,105
−HK$984/mo
Today · 4.125%
HK$33,089
baseline
▲ 0.50% · 4.625%
HK$35,102
+HK$2,013/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,178/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,639
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,568
−HK$943/mo
Today · 4.125%
HK$36,511
baseline
▲ 0.50% · 4.625%
HK$38,435
+HK$1,924/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,022/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,033
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,278
−HK$1,265/mo
Today · 4.125%
HK$42,543
baseline
▲ 0.50% · 4.625%
HK$45,132
+HK$2,589/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$85,086/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,536
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,730
−HK$1,212/mo
Today · 4.125%
HK$46,942
baseline
▲ 0.50% · 4.625%
HK$49,417
+HK$2,475/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$93,884/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,347 · 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).