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$22,298
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,991
−HK$705/mo
Today · 4.125%
HK$23,696
baseline
▲ 0.50% · 4.625%
HK$25,138
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,392/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,806
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,471
−HK$675/mo
Today · 4.125%
HK$26,146
baseline
▲ 0.50% · 4.625%
HK$27,524
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,292/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,757
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,589
−HK$846/mo
Today · 4.125%
HK$28,435
baseline
▲ 0.50% · 4.625%
HK$30,165
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,870/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,767
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,565
−HK$810/mo
Today · 4.125%
HK$31,375
baseline
▲ 0.50% · 4.625%
HK$33,029
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,750/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,217
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,188
−HK$986/mo
Today · 4.125%
HK$33,174
baseline
▲ 0.50% · 4.625%
HK$35,193
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,348/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,728
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,660
−HK$944/mo
Today · 4.125%
HK$36,604
baseline
▲ 0.50% · 4.625%
HK$38,534
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,208/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,136
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,384
−HK$1,268/mo
Today · 4.125%
HK$42,652
baseline
▲ 0.50% · 4.625%
HK$45,248
+HK$2,596/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,304/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,650
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,848
−HK$1,215/mo
Today · 4.125%
HK$47,063
baseline
▲ 0.50% · 4.625%
HK$49,544
+HK$2,481/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,126/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,854 · 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).