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$22,300
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,993
−HK$705/mo
Today · 4.125%
HK$23,698
baseline
▲ 0.50% · 4.625%
HK$25,140
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,396/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,808
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,474
−HK$675/mo
Today · 4.125%
HK$26,149
baseline
▲ 0.50% · 4.625%
HK$27,527
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,298/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,760
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,592
−HK$846/mo
Today · 4.125%
HK$28,438
baseline
▲ 0.50% · 4.625%
HK$30,168
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,876/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,770
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,568
−HK$810/mo
Today · 4.125%
HK$31,378
baseline
▲ 0.50% · 4.625%
HK$33,032
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,756/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,220
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,191
−HK$987/mo
Today · 4.125%
HK$33,178
baseline
▲ 0.50% · 4.625%
HK$35,196
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,356/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,732
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,663
−HK$945/mo
Today · 4.125%
HK$36,608
baseline
▲ 0.50% · 4.625%
HK$38,538
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,216/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,140
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,388
−HK$1,269/mo
Today · 4.125%
HK$42,657
baseline
▲ 0.50% · 4.625%
HK$45,252
+HK$2,595/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,314/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,655
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,853
−HK$1,215/mo
Today · 4.125%
HK$47,068
baseline
▲ 0.50% · 4.625%
HK$49,549
+HK$2,481/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,136/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,953 · 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).