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$22,241
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,933
−HK$703/mo
Today · 4.125%
HK$23,636
baseline
▲ 0.50% · 4.625%
HK$25,074
+HK$1,438/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,272/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,743
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,407
−HK$673/mo
Today · 4.125%
HK$26,080
baseline
▲ 0.50% · 4.625%
HK$27,454
+HK$1,374/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,160/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,689
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,520
−HK$843/mo
Today · 4.125%
HK$28,363
baseline
▲ 0.50% · 4.625%
HK$30,089
+HK$1,726/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,726/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,692
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,488
−HK$808/mo
Today · 4.125%
HK$31,296
baseline
▲ 0.50% · 4.625%
HK$32,945
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,592/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,138
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,106
−HK$984/mo
Today · 4.125%
HK$33,090
baseline
▲ 0.50% · 4.625%
HK$35,104
+HK$2,014/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,180/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,640
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,569
−HK$943/mo
Today · 4.125%
HK$36,512
baseline
▲ 0.50% · 4.625%
HK$38,436
+HK$1,924/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,024/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,034
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,279
−HK$1,265/mo
Today · 4.125%
HK$42,544
baseline
▲ 0.50% · 4.625%
HK$45,133
+HK$2,589/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$85,088/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,537
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,732
−HK$1,212/mo
Today · 4.125%
HK$46,944
baseline
▲ 0.50% · 4.625%
HK$49,418
+HK$2,474/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$93,888/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,377 · 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).