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$22,279
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,972
−HK$704/mo
Today · 4.125%
HK$23,676
baseline
▲ 0.50% · 4.625%
HK$25,117
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,352/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,785
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,450
−HK$674/mo
Today · 4.125%
HK$26,124
baseline
▲ 0.50% · 4.625%
HK$27,501
+HK$1,377/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,248/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,735
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,567
−HK$844/mo
Today · 4.125%
HK$28,411
baseline
▲ 0.50% · 4.625%
HK$30,140
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,822/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,742
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,540
−HK$809/mo
Today · 4.125%
HK$31,349
baseline
▲ 0.50% · 4.625%
HK$33,002
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,698/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,191
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,161
−HK$986/mo
Today · 4.125%
HK$33,147
baseline
▲ 0.50% · 4.625%
HK$35,164
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,294/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,699
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,630
−HK$944/mo
Today · 4.125%
HK$36,574
baseline
▲ 0.50% · 4.625%
HK$38,502
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,148/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,102
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,350
−HK$1,267/mo
Today · 4.125%
HK$42,617
baseline
▲ 0.50% · 4.625%
HK$45,210
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,234/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,614
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,810
−HK$1,214/mo
Today · 4.125%
HK$47,024
baseline
▲ 0.50% · 4.625%
HK$49,503
+HK$2,479/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,048/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,046 · 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).