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$22,243
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,935
−HK$703/mo
Today · 4.125%
HK$23,638
baseline
▲ 0.50% · 4.625%
HK$25,077
+HK$1,439/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,276/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,746
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,409
−HK$674/mo
Today · 4.125%
HK$26,083
baseline
▲ 0.50% · 4.625%
HK$27,457
+HK$1,374/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,166/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,692
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,522
−HK$844/mo
Today · 4.125%
HK$28,366
baseline
▲ 0.50% · 4.625%
HK$30,092
+HK$1,726/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,732/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,695
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,491
−HK$808/mo
Today · 4.125%
HK$31,299
baseline
▲ 0.50% · 4.625%
HK$32,949
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,598/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,141
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,110
−HK$984/mo
Today · 4.125%
HK$33,094
baseline
▲ 0.50% · 4.625%
HK$35,107
+HK$2,013/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,188/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,644
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$35,573
−HK$943/mo
Today · 4.125%
HK$36,516
baseline
▲ 0.50% · 4.625%
HK$38,440
+HK$1,924/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,032/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,038
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$41,284
−HK$1,265/mo
Today · 4.125%
HK$42,549
baseline
▲ 0.50% · 4.625%
HK$45,138
+HK$2,589/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$85,098/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,542
−HK$2,407/mo
▼ 0.25% · 3.875%
HK$45,737
−HK$1,212/mo
Today · 4.125%
HK$46,949
baseline
▲ 0.50% · 4.625%
HK$49,423
+HK$2,474/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$93,898/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,482 · 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).