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$1,394/mo
▼ 0.25% · 3.875%
HK$22,916
−HK$703/mo
Today · 4.125%
HK$23,619
baseline
▲ 0.50% · 4.625%
HK$25,056
+HK$1,437/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$47,238/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,725
−HK$1,336/mo
▼ 0.25% · 3.875%
HK$25,388
−HK$673/mo
Today · 4.125%
HK$26,061
baseline
▲ 0.50% · 4.625%
HK$27,434
+HK$1,373/mo
Deposit HK$4.87M · loan HK$4.87M · min. income ≈ HK$52,122/mo (50% DSR)
Upfront cash ≈ HK$5.22M (deposit + AVD stamp duty HK$344,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,670
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,499
−HK$843/mo
Today · 4.125%
HK$28,342
baseline
▲ 0.50% · 4.625%
HK$30,067
+HK$1,725/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$344,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,670
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,466
−HK$807/mo
Today · 4.125%
HK$31,273
baseline
▲ 0.50% · 4.625%
HK$32,921
+HK$1,648/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,546/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,115
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,083
−HK$983/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$344,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,615
−HK$1,870/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$344,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,005
−HK$2,508/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$344,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,505
−HK$2,404/mo
▼ 0.25% · 3.875%
HK$45,699
−HK$1,210/mo
Today · 4.125%
HK$46,909
baseline
▲ 0.50% · 4.625%
HK$49,382
+HK$2,473/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$344,666 · 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).