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$22,225
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$22,916
−HK$702/mo
Today · 4.125%
HK$23,618
baseline
▲ 0.50% · 4.625%
HK$25,055
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,236/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,725
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,388
−HK$672/mo
Today · 4.125%
HK$26,060
baseline
▲ 0.50% · 4.625%
HK$27,434
+HK$1,374/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,120/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,669
−HK$1,673/mo
▼ 0.25% · 3.875%
HK$27,499
−HK$843/mo
Today · 4.125%
HK$28,342
baseline
▲ 0.50% · 4.625%
HK$30,066
+HK$1,724/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,684/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,670
−HK$1,602/mo
▼ 0.25% · 3.875%
HK$30,465
−HK$807/mo
Today · 4.125%
HK$31,272
baseline
▲ 0.50% · 4.625%
HK$32,921
+HK$1,649/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,544/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,114
−HK$1,952/mo
▼ 0.25% · 3.875%
HK$32,082
−HK$984/mo
Today · 4.125%
HK$33,066
baseline
▲ 0.50% · 4.625%
HK$35,078
+HK$2,012/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,132/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,614
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$35,543
−HK$942/mo
Today · 4.125%
HK$36,485
baseline
▲ 0.50% · 4.625%
HK$38,408
+HK$1,923/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,970/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,004
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,249
−HK$1,264/mo
Today · 4.125%
HK$42,513
baseline
▲ 0.50% · 4.625%
HK$45,100
+HK$2,587/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,026/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,504
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,698
−HK$1,211/mo
Today · 4.125%
HK$46,909
baseline
▲ 0.50% · 4.625%
HK$49,381
+HK$2,472/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,818/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,653 · 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).