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$22,280
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,973
−HK$704/mo
Today · 4.125%
HK$23,677
baseline
▲ 0.50% · 4.625%
HK$25,118
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,354/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,786
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,451
−HK$674/mo
Today · 4.125%
HK$26,125
baseline
▲ 0.50% · 4.625%
HK$27,503
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,250/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,736
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,568
−HK$845/mo
Today · 4.125%
HK$28,413
baseline
▲ 0.50% · 4.625%
HK$30,141
+HK$1,728/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,826/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,744
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,541
−HK$810/mo
Today · 4.125%
HK$31,351
baseline
▲ 0.50% · 4.625%
HK$33,003
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,702/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,192
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,162
−HK$986/mo
Today · 4.125%
HK$33,148
baseline
▲ 0.50% · 4.625%
HK$35,165
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,296/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,701
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,631
−HK$945/mo
Today · 4.125%
HK$36,576
baseline
▲ 0.50% · 4.625%
HK$38,504
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,152/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,104
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,352
−HK$1,267/mo
Today · 4.125%
HK$42,619
baseline
▲ 0.50% · 4.625%
HK$45,212
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,238/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,615
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,812
−HK$1,214/mo
Today · 4.125%
HK$47,026
baseline
▲ 0.50% · 4.625%
HK$49,505
+HK$2,479/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,052/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,084 · 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).