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$22,289
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,982
−HK$704/mo
Today · 4.125%
HK$23,686
baseline
▲ 0.50% · 4.625%
HK$25,128
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,372/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,796
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,461
−HK$675/mo
Today · 4.125%
HK$26,136
baseline
▲ 0.50% · 4.625%
HK$27,513
+HK$1,377/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,272/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,747
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,578
−HK$846/mo
Today · 4.125%
HK$28,424
baseline
▲ 0.50% · 4.625%
HK$30,153
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,848/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,755
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,553
−HK$810/mo
Today · 4.125%
HK$31,363
baseline
▲ 0.50% · 4.625%
HK$33,016
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,726/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,204
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,175
−HK$986/mo
Today · 4.125%
HK$33,161
baseline
▲ 0.50% · 4.625%
HK$35,179
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,322/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,714
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,645
−HK$945/mo
Today · 4.125%
HK$36,590
baseline
▲ 0.50% · 4.625%
HK$38,519
+HK$1,929/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,180/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,120
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,368
−HK$1,268/mo
Today · 4.125%
HK$42,636
baseline
▲ 0.50% · 4.625%
HK$45,230
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,272/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,633
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,830
−HK$1,214/mo
Today · 4.125%
HK$47,044
baseline
▲ 0.50% · 4.625%
HK$49,524
+HK$2,480/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,088/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,468 · 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).