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$22,224
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,915
−HK$702/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$344,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,723
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,387
−HK$672/mo
Today · 4.125%
HK$26,059
baseline
▲ 0.50% · 4.625%
HK$27,433
+HK$1,374/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$344,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,668
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,498
−HK$843/mo
Today · 4.125%
HK$28,341
baseline
▲ 0.50% · 4.625%
HK$30,065
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,682/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,668
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,464
−HK$807/mo
Today · 4.125%
HK$31,271
baseline
▲ 0.50% · 4.625%
HK$32,919
+HK$1,648/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,542/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,113
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,081
−HK$983/mo
Today · 4.125%
HK$33,064
baseline
▲ 0.50% · 4.625%
HK$35,076
+HK$2,012/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,128/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,613
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,541
−HK$942/mo
Today · 4.125%
HK$36,483
baseline
▲ 0.50% · 4.625%
HK$38,406
+HK$1,923/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,966/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,002
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,247
−HK$1,264/mo
Today · 4.125%
HK$42,511
baseline
▲ 0.50% · 4.625%
HK$45,098
+HK$2,587/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,022/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,502
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,696
−HK$1,211/mo
Today · 4.125%
HK$46,907
baseline
▲ 0.50% · 4.625%
HK$49,379
+HK$2,472/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,814/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,608 · 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).