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$22,227
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,918
−HK$703/mo
Today · 4.125%
HK$23,621
baseline
▲ 0.50% · 4.625%
HK$25,058
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,242/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,727
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,390
−HK$673/mo
Today · 4.125%
HK$26,063
baseline
▲ 0.50% · 4.625%
HK$27,437
+HK$1,374/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,126/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,672
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,502
−HK$843/mo
Today · 4.125%
HK$28,345
baseline
▲ 0.50% · 4.625%
HK$30,070
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,690/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,673
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,468
−HK$808/mo
Today · 4.125%
HK$31,276
baseline
▲ 0.50% · 4.625%
HK$32,924
+HK$1,648/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,552/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,118
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,086
−HK$983/mo
Today · 4.125%
HK$33,069
baseline
▲ 0.50% · 4.625%
HK$35,081
+HK$2,012/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,138/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,618
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,547
−HK$941/mo
Today · 4.125%
HK$36,488
baseline
▲ 0.50% · 4.625%
HK$38,412
+HK$1,924/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,976/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,008
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,253
−HK$1,264/mo
Today · 4.125%
HK$42,517
baseline
▲ 0.50% · 4.625%
HK$45,104
+HK$2,587/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,034/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,509
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,703
−HK$1,211/mo
Today · 4.125%
HK$46,914
baseline
▲ 0.50% · 4.625%
HK$49,387
+HK$2,473/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,828/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,756 · 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).