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$22,223
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,914
−HK$703/mo
Today · 4.125%
HK$23,617
baseline
▲ 0.50% · 4.625%
HK$25,054
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,234/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,723
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,386
−HK$673/mo
Today · 4.125%
HK$26,059
baseline
▲ 0.50% · 4.625%
HK$27,432
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,118/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,668
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,497
−HK$843/mo
Today · 4.125%
HK$28,340
baseline
▲ 0.50% · 4.625%
HK$30,064
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,680/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,667
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,463
−HK$807/mo
Today · 4.125%
HK$31,270
baseline
▲ 0.50% · 4.625%
HK$32,919
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,540/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,112
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,080
−HK$983/mo
Today · 4.125%
HK$33,063
baseline
▲ 0.50% · 4.625%
HK$35,075
+HK$2,012/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,126/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,612
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,540
−HK$942/mo
Today · 4.125%
HK$36,482
baseline
▲ 0.50% · 4.625%
HK$38,405
+HK$1,923/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,964/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,001
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,246
−HK$1,264/mo
Today · 4.125%
HK$42,510
baseline
▲ 0.50% · 4.625%
HK$45,097
+HK$2,587/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,020/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,501
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,695
−HK$1,210/mo
Today · 4.125%
HK$46,905
baseline
▲ 0.50% · 4.625%
HK$49,378
+HK$2,473/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,810/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,585 · 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).