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$22,285
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,978
−HK$704/mo
Today · 4.125%
HK$23,682
baseline
▲ 0.50% · 4.625%
HK$25,123
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,364/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,791
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,456
−HK$675/mo
Today · 4.125%
HK$26,131
baseline
▲ 0.50% · 4.625%
HK$27,508
+HK$1,377/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,262/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,741
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,573
−HK$845/mo
Today · 4.125%
HK$28,418
baseline
▲ 0.50% · 4.625%
HK$30,148
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,836/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,750
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,548
−HK$809/mo
Today · 4.125%
HK$31,357
baseline
▲ 0.50% · 4.625%
HK$33,010
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,714/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,198
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,169
−HK$986/mo
Today · 4.125%
HK$33,155
baseline
▲ 0.50% · 4.625%
HK$35,172
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,310/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,708
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,639
−HK$944/mo
Today · 4.125%
HK$36,583
baseline
▲ 0.50% · 4.625%
HK$38,511
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,166/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,112
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,360
−HK$1,268/mo
Today · 4.125%
HK$42,628
baseline
▲ 0.50% · 4.625%
HK$45,221
+HK$2,593/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,256/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,624
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,821
−HK$1,214/mo
Today · 4.125%
HK$47,035
baseline
▲ 0.50% · 4.625%
HK$49,515
+HK$2,480/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,070/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,284 · 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).