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$22,287
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,980
−HK$704/mo
Today · 4.125%
HK$23,684
baseline
▲ 0.50% · 4.625%
HK$25,125
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,368/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,794
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,458
−HK$675/mo
Today · 4.125%
HK$26,133
baseline
▲ 0.50% · 4.625%
HK$27,511
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,266/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,744
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,576
−HK$845/mo
Today · 4.125%
HK$28,421
baseline
▲ 0.50% · 4.625%
HK$30,150
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,842/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,752
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,550
−HK$810/mo
Today · 4.125%
HK$31,360
baseline
▲ 0.50% · 4.625%
HK$33,013
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,720/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,201
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,172
−HK$986/mo
Today · 4.125%
HK$33,158
baseline
▲ 0.50% · 4.625%
HK$35,175
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,316/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,711
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,642
−HK$944/mo
Today · 4.125%
HK$36,586
baseline
▲ 0.50% · 4.625%
HK$38,515
+HK$1,929/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,172/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,116
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,364
−HK$1,267/mo
Today · 4.125%
HK$42,631
baseline
▲ 0.50% · 4.625%
HK$45,225
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,262/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,628
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,825
−HK$1,214/mo
Today · 4.125%
HK$47,039
baseline
▲ 0.50% · 4.625%
HK$49,519
+HK$2,480/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,078/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,369 · 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).