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$22,229
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$22,920
−HK$703/mo
Today · 4.125%
HK$23,623
baseline
▲ 0.50% · 4.625%
HK$25,060
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,246/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,729
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,393
−HK$672/mo
Today · 4.125%
HK$26,065
baseline
▲ 0.50% · 4.625%
HK$27,439
+HK$1,374/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,130/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,675
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,504
−HK$843/mo
Today · 4.125%
HK$28,347
baseline
▲ 0.50% · 4.625%
HK$30,072
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,694/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,675
−HK$1,604/mo
▼ 0.25% · 3.875%
HK$30,471
−HK$808/mo
Today · 4.125%
HK$31,279
baseline
▲ 0.50% · 4.625%
HK$32,927
+HK$1,648/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,558/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,120
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,088
−HK$984/mo
Today · 4.125%
HK$33,072
baseline
▲ 0.50% · 4.625%
HK$35,084
+HK$2,012/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,144/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,621
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,550
−HK$942/mo
Today · 4.125%
HK$36,492
baseline
▲ 0.50% · 4.625%
HK$38,415
+HK$1,923/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,984/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,012
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,257
−HK$1,264/mo
Today · 4.125%
HK$42,521
baseline
▲ 0.50% · 4.625%
HK$45,108
+HK$2,587/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,042/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,513
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,707
−HK$1,211/mo
Today · 4.125%
HK$46,918
baseline
▲ 0.50% · 4.625%
HK$49,391
+HK$2,473/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,836/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,843 · 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).