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$22,228
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,920
−HK$702/mo
Today · 4.125%
HK$23,622
baseline
▲ 0.50% · 4.625%
HK$25,060
+HK$1,438/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,244/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,729
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,392
−HK$673/mo
Today · 4.125%
HK$26,065
baseline
▲ 0.50% · 4.625%
HK$27,439
+HK$1,374/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,130/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,674
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,504
−HK$843/mo
Today · 4.125%
HK$28,347
baseline
▲ 0.50% · 4.625%
HK$30,072
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,694/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,675
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,471
−HK$807/mo
Today · 4.125%
HK$31,278
baseline
▲ 0.50% · 4.625%
HK$32,927
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,556/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,120
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,088
−HK$983/mo
Today · 4.125%
HK$33,071
baseline
▲ 0.50% · 4.625%
HK$35,084
+HK$2,013/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,142/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,620
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,549
−HK$942/mo
Today · 4.125%
HK$36,491
baseline
▲ 0.50% · 4.625%
HK$38,414
+HK$1,923/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,982/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,011
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,256
−HK$1,264/mo
Today · 4.125%
HK$42,520
baseline
▲ 0.50% · 4.625%
HK$45,107
+HK$2,587/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,040/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,512
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,706
−HK$1,211/mo
Today · 4.125%
HK$46,917
baseline
▲ 0.50% · 4.625%
HK$49,390
+HK$2,473/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,834/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,822 · 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).