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$22,287
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,981
−HK$704/mo
Today · 4.125%
HK$23,685
baseline
▲ 0.50% · 4.625%
HK$25,126
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,370/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,795
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,460
−HK$674/mo
Today · 4.125%
HK$26,134
baseline
▲ 0.50% · 4.625%
HK$27,512
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,268/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,745
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,577
−HK$845/mo
Today · 4.125%
HK$28,422
baseline
▲ 0.50% · 4.625%
HK$30,152
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,844/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,753
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,551
−HK$810/mo
Today · 4.125%
HK$31,361
baseline
▲ 0.50% · 4.625%
HK$33,014
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,722/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,202
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,173
−HK$986/mo
Today · 4.125%
HK$33,159
baseline
▲ 0.50% · 4.625%
HK$35,177
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,318/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,712
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,643
−HK$945/mo
Today · 4.125%
HK$36,588
baseline
▲ 0.50% · 4.625%
HK$38,516
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,176/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,117
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,365
−HK$1,268/mo
Today · 4.125%
HK$42,633
baseline
▲ 0.50% · 4.625%
HK$45,227
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,266/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,630
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,827
−HK$1,214/mo
Today · 4.125%
HK$47,041
baseline
▲ 0.50% · 4.625%
HK$49,521
+HK$2,480/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,082/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,410 · 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).