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$25,116
+HK$1,440/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$347,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,785
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,449
−HK$675/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$347,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,734
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,566
−HK$845/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$347,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,742
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,539
−HK$810/mo
Today · 4.125%
HK$31,349
baseline
▲ 0.50% · 4.625%
HK$33,001
+HK$1,652/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$347,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,190
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,160
−HK$986/mo
Today · 4.125%
HK$33,146
baseline
▲ 0.50% · 4.625%
HK$35,163
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,292/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,699
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,629
−HK$944/mo
Today · 4.125%
HK$36,573
baseline
▲ 0.50% · 4.625%
HK$38,501
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,146/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,102
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$41,349
−HK$1,267/mo
Today · 4.125%
HK$42,616
baseline
▲ 0.50% · 4.625%
HK$45,209
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,232/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,025 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,613
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,809
−HK$1,214/mo
Today · 4.125%
HK$47,023
baseline
▲ 0.50% · 4.625%
HK$49,502
+HK$2,479/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,046/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,025 · 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).