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$22,226
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,917
−HK$703/mo
Today · 4.125%
HK$23,620
baseline
▲ 0.50% · 4.625%
HK$25,057
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,240/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,726
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,389
−HK$673/mo
Today · 4.125%
HK$26,062
baseline
▲ 0.50% · 4.625%
HK$27,436
+HK$1,374/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,124/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,671
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,501
−HK$843/mo
Today · 4.125%
HK$28,344
baseline
▲ 0.50% · 4.625%
HK$30,068
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,688/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,671
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,467
−HK$807/mo
Today · 4.125%
HK$31,274
baseline
▲ 0.50% · 4.625%
HK$32,923
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,548/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,116
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,084
−HK$984/mo
Today · 4.125%
HK$33,068
baseline
▲ 0.50% · 4.625%
HK$35,080
+HK$2,012/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,136/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,617
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,545
−HK$942/mo
Today · 4.125%
HK$36,487
baseline
▲ 0.50% · 4.625%
HK$38,410
+HK$1,923/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,974/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,007
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$41,251
−HK$1,264/mo
Today · 4.125%
HK$42,515
baseline
▲ 0.50% · 4.625%
HK$45,102
+HK$2,587/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,030/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,507
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,701
−HK$1,211/mo
Today · 4.125%
HK$46,912
baseline
▲ 0.50% · 4.625%
HK$49,384
+HK$2,472/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,824/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,713 · 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).