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$22,917
−HK$702/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$344,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,726
−HK$1,335/mo
▼ 0.25% · 3.875%
HK$25,389
−HK$672/mo
Today · 4.125%
HK$26,061
baseline
▲ 0.50% · 4.625%
HK$27,435
+HK$1,374/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$344,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,671
−HK$1,672/mo
▼ 0.25% · 3.875%
HK$27,500
−HK$843/mo
Today · 4.125%
HK$28,343
baseline
▲ 0.50% · 4.625%
HK$30,068
+HK$1,725/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$56,686/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,671
−HK$1,603/mo
▼ 0.25% · 3.875%
HK$30,466
−HK$808/mo
Today · 4.125%
HK$31,274
baseline
▲ 0.50% · 4.625%
HK$32,922
+HK$1,648/mo
Deposit HK$3.90M · loan HK$5.85M · min. income ≈ HK$62,548/mo (50% DSR)
Upfront cash ≈ HK$4.24M (deposit + AVD stamp duty HK$344,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,116
−HK$1,951/mo
▼ 0.25% · 3.875%
HK$32,084
−HK$983/mo
Today · 4.125%
HK$33,067
baseline
▲ 0.50% · 4.625%
HK$35,079
+HK$2,012/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$66,134/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,616
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$35,544
−HK$942/mo
Today · 4.125%
HK$36,486
baseline
▲ 0.50% · 4.625%
HK$38,409
+HK$1,923/mo
Deposit HK$2.92M · loan HK$6.82M · min. income ≈ HK$72,972/mo (50% DSR)
Upfront cash ≈ HK$3.27M (deposit + AVD stamp duty HK$344,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,006
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$41,250
−HK$1,265/mo
Today · 4.125%
HK$42,515
baseline
▲ 0.50% · 4.625%
HK$45,101
+HK$2,586/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$85,030/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,506
−HK$2,405/mo
▼ 0.25% · 3.875%
HK$45,700
−HK$1,211/mo
Today · 4.125%
HK$46,911
baseline
▲ 0.50% · 4.625%
HK$49,383
+HK$2,472/mo
Deposit HK$975K · loan HK$8.77M · min. income ≈ HK$93,822/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$344,691 · 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).