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$22,300
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,994
−HK$705/mo
Today · 4.125%
HK$23,699
baseline
▲ 0.50% · 4.625%
HK$25,141
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,398/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,809
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,474
−HK$675/mo
Today · 4.125%
HK$26,149
baseline
▲ 0.50% · 4.625%
HK$27,528
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,298/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,760
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,593
−HK$846/mo
Today · 4.125%
HK$28,439
baseline
▲ 0.50% · 4.625%
HK$30,169
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,878/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,771
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,569
−HK$810/mo
Today · 4.125%
HK$31,379
baseline
▲ 0.50% · 4.625%
HK$33,033
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,758/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,221
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,192
−HK$986/mo
Today · 4.125%
HK$33,178
baseline
▲ 0.50% · 4.625%
HK$35,197
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,356/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,733
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,664
−HK$945/mo
Today · 4.125%
HK$36,609
baseline
▲ 0.50% · 4.625%
HK$38,539
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,218/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,141
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,389
−HK$1,269/mo
Today · 4.125%
HK$42,658
baseline
▲ 0.50% · 4.625%
HK$45,254
+HK$2,596/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,316/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,656
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,854
−HK$1,215/mo
Today · 4.125%
HK$47,069
baseline
▲ 0.50% · 4.625%
HK$49,550
+HK$2,481/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,138/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,978 · 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).