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$22,236
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,928
−HK$703/mo
Today · 4.125%
HK$23,631
baseline
▲ 0.50% · 4.625%
HK$25,068
+HK$1,437/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,262/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,737
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,401
−HK$673/mo
Today · 4.125%
HK$26,074
baseline
▲ 0.50% · 4.625%
HK$27,448
+HK$1,374/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,148/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,683
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,513
−HK$844/mo
Today · 4.125%
HK$28,357
baseline
▲ 0.50% · 4.625%
HK$30,082
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,714/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,685
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,481
−HK$808/mo
Today · 4.125%
HK$31,289
baseline
▲ 0.50% · 4.625%
HK$32,938
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,578/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,131
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,099
−HK$984/mo
Today · 4.125%
HK$33,083
baseline
▲ 0.50% · 4.625%
HK$35,096
+HK$2,013/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,166/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,632
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,561
−HK$943/mo
Today · 4.125%
HK$36,504
baseline
▲ 0.50% · 4.625%
HK$38,428
+HK$1,924/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,008/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,025
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,270
−HK$1,265/mo
Today · 4.125%
HK$42,535
baseline
▲ 0.50% · 4.625%
HK$45,123
+HK$2,588/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$85,070/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,527
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,722
−HK$1,211/mo
Today · 4.125%
HK$46,933
baseline
▲ 0.50% · 4.625%
HK$49,407
+HK$2,474/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$93,866/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,160 · 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).