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$22,239
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,931
−HK$703/mo
Today · 4.125%
HK$23,634
baseline
▲ 0.50% · 4.625%
HK$25,072
+HK$1,438/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$47,268/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,741
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,405
−HK$673/mo
Today · 4.125%
HK$26,078
baseline
▲ 0.50% · 4.625%
HK$27,453
+HK$1,375/mo
Deposit HK$4.88M · loan HK$4.88M · min. income ≈ HK$52,156/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,687
−HK$1,674/mo
▼ 0.25% · 3.875%
HK$27,518
−HK$843/mo
Today · 4.125%
HK$28,361
baseline
▲ 0.50% · 4.625%
HK$30,087
+HK$1,726/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,722/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,689
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,486
−HK$807/mo
Today · 4.125%
HK$31,293
baseline
▲ 0.50% · 4.625%
HK$32,943
+HK$1,650/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,586/mo (50% DSR)
Upfront cash ≈ HK$4.25M (deposit + AVD stamp duty HK$345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,135
−HK$1,953/mo
▼ 0.25% · 3.875%
HK$32,104
−HK$984/mo
Today · 4.125%
HK$33,088
baseline
▲ 0.50% · 4.625%
HK$35,101
+HK$2,013/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$66,176/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,638
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,567
−HK$942/mo
Today · 4.125%
HK$36,509
baseline
▲ 0.50% · 4.625%
HK$38,434
+HK$1,925/mo
Deposit HK$2.93M · loan HK$6.83M · min. income ≈ HK$73,018/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,031
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,276
−HK$1,265/mo
Today · 4.125%
HK$42,541
baseline
▲ 0.50% · 4.625%
HK$45,130
+HK$2,589/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$85,082/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,534
−HK$2,406/mo
▼ 0.25% · 3.875%
HK$45,729
−HK$1,211/mo
Today · 4.125%
HK$46,940
baseline
▲ 0.50% · 4.625%
HK$49,415
+HK$2,475/mo
Deposit HK$975K · loan HK$8.78M · min. income ≈ HK$93,880/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$345,307 · 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).