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$22,286
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,979
−HK$704/mo
Today · 4.125%
HK$23,683
baseline
▲ 0.50% · 4.625%
HK$25,124
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,366/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,792
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,457
−HK$675/mo
Today · 4.125%
HK$26,132
baseline
▲ 0.50% · 4.625%
HK$27,509
+HK$1,377/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,264/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,743
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,574
−HK$846/mo
Today · 4.125%
HK$28,420
baseline
▲ 0.50% · 4.625%
HK$30,149
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,840/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,751
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,549
−HK$809/mo
Today · 4.125%
HK$31,358
baseline
▲ 0.50% · 4.625%
HK$33,011
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,716/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,200
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,170
−HK$986/mo
Today · 4.125%
HK$33,156
baseline
▲ 0.50% · 4.625%
HK$35,174
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,312/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,709
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,640
−HK$945/mo
Today · 4.125%
HK$36,585
baseline
▲ 0.50% · 4.625%
HK$38,513
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,170/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,114
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,362
−HK$1,267/mo
Today · 4.125%
HK$42,629
baseline
▲ 0.50% · 4.625%
HK$45,223
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,258/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,626
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,823
−HK$1,214/mo
Today · 4.125%
HK$47,037
baseline
▲ 0.50% · 4.625%
HK$49,517
+HK$2,480/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,074/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,326 · 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).