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$22,288
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,981
−HK$704/mo
Today · 4.125%
HK$23,685
baseline
▲ 0.50% · 4.625%
HK$25,127
+HK$1,442/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$347,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,795
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,460
−HK$675/mo
Today · 4.125%
HK$26,135
baseline
▲ 0.50% · 4.625%
HK$27,512
+HK$1,377/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,270/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,745
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,577
−HK$846/mo
Today · 4.125%
HK$28,423
baseline
▲ 0.50% · 4.625%
HK$30,152
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,846/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,754
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,552
−HK$810/mo
Today · 4.125%
HK$31,362
baseline
▲ 0.50% · 4.625%
HK$33,015
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,724/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,203
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,174
−HK$986/mo
Today · 4.125%
HK$33,160
baseline
▲ 0.50% · 4.625%
HK$35,177
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,320/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,713
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,644
−HK$944/mo
Today · 4.125%
HK$36,588
baseline
▲ 0.50% · 4.625%
HK$38,517
+HK$1,929/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$347,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,118
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,366
−HK$1,268/mo
Today · 4.125%
HK$42,634
baseline
▲ 0.50% · 4.625%
HK$45,228
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,268/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,631
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,828
−HK$1,214/mo
Today · 4.125%
HK$47,042
baseline
▲ 0.50% · 4.625%
HK$49,522
+HK$2,480/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,084/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,428 · 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).