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$22,234
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,926
−HK$702/mo
Today · 4.125%
HK$23,628
baseline
▲ 0.50% · 4.625%
HK$25,066
+HK$1,438/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,256/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,735
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,399
−HK$673/mo
Today · 4.125%
HK$26,072
baseline
▲ 0.50% · 4.625%
HK$27,446
+HK$1,374/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$345,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,681
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,511
−HK$843/mo
Today · 4.125%
HK$28,354
baseline
▲ 0.50% · 4.625%
HK$30,079
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,708/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,682
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,478
−HK$808/mo
Today · 4.125%
HK$31,286
baseline
▲ 0.50% · 4.625%
HK$32,935
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,572/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,128
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,096
−HK$984/mo
Today · 4.125%
HK$33,080
baseline
▲ 0.50% · 4.625%
HK$35,093
+HK$2,013/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,160/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,629
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,558
−HK$942/mo
Today · 4.125%
HK$36,500
baseline
▲ 0.50% · 4.625%
HK$38,424
+HK$1,924/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,000/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,022
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,266
−HK$1,265/mo
Today · 4.125%
HK$42,531
baseline
▲ 0.50% · 4.625%
HK$45,119
+HK$2,588/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$85,062/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,524
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,718
−HK$1,211/mo
Today · 4.125%
HK$46,929
baseline
▲ 0.50% · 4.625%
HK$49,403
+HK$2,474/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$93,858/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,074 · 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).