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$22,299
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,993
−HK$704/mo
Today · 4.125%
HK$23,697
baseline
▲ 0.50% · 4.625%
HK$25,139
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,394/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,808
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,473
−HK$675/mo
Today · 4.125%
HK$26,148
baseline
▲ 0.50% · 4.625%
HK$27,526
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,296/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,759
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,591
−HK$846/mo
Today · 4.125%
HK$28,437
baseline
▲ 0.50% · 4.625%
HK$30,167
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,874/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,769
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,567
−HK$810/mo
Today · 4.125%
HK$31,377
baseline
▲ 0.50% · 4.625%
HK$33,031
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,754/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,219
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,190
−HK$986/mo
Today · 4.125%
HK$33,176
baseline
▲ 0.50% · 4.625%
HK$35,195
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,352/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,731
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,662
−HK$945/mo
Today · 4.125%
HK$36,607
baseline
▲ 0.50% · 4.625%
HK$38,537
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,214/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,138
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,387
−HK$1,268/mo
Today · 4.125%
HK$42,655
baseline
▲ 0.50% · 4.625%
HK$45,251
+HK$2,596/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,310/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,654
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,851
−HK$1,215/mo
Today · 4.125%
HK$47,066
baseline
▲ 0.50% · 4.625%
HK$49,547
+HK$2,481/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,132/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,921 · 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).