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$22,232
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,923
−HK$703/mo
Today · 4.125%
HK$23,626
baseline
▲ 0.50% · 4.625%
HK$25,063
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,252/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,732
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,396
−HK$673/mo
Today · 4.125%
HK$26,069
baseline
▲ 0.50% · 4.625%
HK$27,443
+HK$1,374/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,138/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,678
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,508
−HK$843/mo
Today · 4.125%
HK$28,351
baseline
▲ 0.50% · 4.625%
HK$30,076
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,702/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,679
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,475
−HK$807/mo
Today · 4.125%
HK$31,282
baseline
▲ 0.50% · 4.625%
HK$32,931
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,564/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,124
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,092
−HK$984/mo
Today · 4.125%
HK$33,076
baseline
▲ 0.50% · 4.625%
HK$35,089
+HK$2,013/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,152/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,625
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,554
−HK$942/mo
Today · 4.125%
HK$36,496
baseline
▲ 0.50% · 4.625%
HK$38,420
+HK$1,924/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,992/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,017
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,262
−HK$1,264/mo
Today · 4.125%
HK$42,526
baseline
▲ 0.50% · 4.625%
HK$45,114
+HK$2,588/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,052/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,518
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,712
−HK$1,211/mo
Today · 4.125%
HK$46,923
baseline
▲ 0.50% · 4.625%
HK$49,397
+HK$2,474/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,846/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,959 · 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).