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$22,282
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,975
−HK$704/mo
Today · 4.125%
HK$23,679
baseline
▲ 0.50% · 4.625%
HK$25,120
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,358/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,788
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,453
−HK$674/mo
Today · 4.125%
HK$26,127
baseline
▲ 0.50% · 4.625%
HK$27,505
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,254/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,738
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,570
−HK$845/mo
Today · 4.125%
HK$28,415
baseline
▲ 0.50% · 4.625%
HK$30,144
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,830/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,746
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,544
−HK$809/mo
Today · 4.125%
HK$31,353
baseline
▲ 0.50% · 4.625%
HK$33,006
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,706/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,194
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,165
−HK$986/mo
Today · 4.125%
HK$33,151
baseline
▲ 0.50% · 4.625%
HK$35,168
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,302/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,703
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,634
−HK$944/mo
Today · 4.125%
HK$36,578
baseline
▲ 0.50% · 4.625%
HK$38,506
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,156/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,107
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,355
−HK$1,267/mo
Today · 4.125%
HK$42,622
baseline
▲ 0.50% · 4.625%
HK$45,216
+HK$2,594/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,244/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,619
−HK$2,410/mo
▼ 0.25% · 3.875%
HK$45,815
−HK$1,214/mo
Today · 4.125%
HK$47,029
baseline
▲ 0.50% · 4.625%
HK$49,508
+HK$2,479/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,058/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,158 · 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).