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$22,222
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,913
−HK$702/mo
Today · 4.125%
HK$23,615
baseline
▲ 0.50% · 4.625%
HK$25,052
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,230/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,721
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,384
−HK$673/mo
Today · 4.125%
HK$26,057
baseline
▲ 0.50% · 4.625%
HK$27,430
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,114/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,666
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,495
−HK$843/mo
Today · 4.125%
HK$28,338
baseline
▲ 0.50% · 4.625%
HK$30,062
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,676/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,666
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,461
−HK$807/mo
Today · 4.125%
HK$31,268
baseline
▲ 0.50% · 4.625%
HK$32,917
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,536/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,110
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,078
−HK$983/mo
Today · 4.125%
HK$33,061
baseline
▲ 0.50% · 4.625%
HK$35,073
+HK$2,012/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,122/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,610
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,538
−HK$942/mo
Today · 4.125%
HK$36,480
baseline
▲ 0.50% · 4.625%
HK$38,403
+HK$1,923/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,960/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,999
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,243
−HK$1,264/mo
Today · 4.125%
HK$42,507
baseline
▲ 0.50% · 4.625%
HK$45,094
+HK$2,587/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,014/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,498
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,692
−HK$1,210/mo
Today · 4.125%
HK$46,902
baseline
▲ 0.50% · 4.625%
HK$49,375
+HK$2,473/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,804/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,522 · 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).