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$22,232
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$22,924
−HK$703/mo
Today · 4.125%
HK$23,627
baseline
▲ 0.50% · 4.625%
HK$25,064
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,254/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,733
−HK$1,337/mo
▼ 0.25% · 3.875%
HK$25,397
−HK$673/mo
Today · 4.125%
HK$26,070
baseline
▲ 0.50% · 4.625%
HK$27,444
+HK$1,374/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,140/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,679
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,509
−HK$843/mo
Today · 4.125%
HK$28,352
baseline
▲ 0.50% · 4.625%
HK$30,077
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,704/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,680
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,476
−HK$807/mo
Today · 4.125%
HK$31,283
baseline
▲ 0.50% · 4.625%
HK$32,932
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,566/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,125
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,093
−HK$984/mo
Today · 4.125%
HK$33,077
baseline
▲ 0.50% · 4.625%
HK$35,090
+HK$2,013/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,154/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,627
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,555
−HK$942/mo
Today · 4.125%
HK$36,497
baseline
▲ 0.50% · 4.625%
HK$38,421
+HK$1,924/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,994/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,018
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$41,263
−HK$1,265/mo
Today · 4.125%
HK$42,528
baseline
▲ 0.50% · 4.625%
HK$45,115
+HK$2,587/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,056/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,995 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,520
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,714
−HK$1,211/mo
Today · 4.125%
HK$46,925
baseline
▲ 0.50% · 4.625%
HK$49,399
+HK$2,474/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,850/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,995 · 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).