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$347,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,793
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,458
−HK$674/mo
Today · 4.125%
HK$26,132
baseline
▲ 0.50% · 4.625%
HK$27,510
+HK$1,378/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$347,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,743
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,575
−HK$845/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$347,333 · 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$347,333 · 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$347,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,710
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,641
−HK$944/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$347,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,114
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,362
−HK$1,268/mo
Today · 4.125%
HK$42,630
baseline
▲ 0.50% · 4.625%
HK$45,224
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,260/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,627
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,824
−HK$1,214/mo
Today · 4.125%
HK$47,038
baseline
▲ 0.50% · 4.625%
HK$49,517
+HK$2,479/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,076/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,333 · 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).