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$22,280
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,973
−HK$704/mo
Today · 4.125%
HK$23,677
baseline
▲ 0.50% · 4.625%
HK$25,117
+HK$1,440/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,354/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,786
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,451
−HK$674/mo
Today · 4.125%
HK$26,125
baseline
▲ 0.50% · 4.625%
HK$27,502
+HK$1,377/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,250/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,735
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,567
−HK$845/mo
Today · 4.125%
HK$28,412
baseline
▲ 0.50% · 4.625%
HK$30,141
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,824/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,743
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,541
−HK$809/mo
Today · 4.125%
HK$31,350
baseline
▲ 0.50% · 4.625%
HK$33,002
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,700/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,191
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,162
−HK$985/mo
Today · 4.125%
HK$33,147
baseline
▲ 0.50% · 4.625%
HK$35,164
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,294/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,700
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,631
−HK$944/mo
Today · 4.125%
HK$36,575
baseline
▲ 0.50% · 4.625%
HK$38,503
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,150/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,103
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,351
−HK$1,267/mo
Today · 4.125%
HK$42,618
baseline
▲ 0.50% · 4.625%
HK$45,211
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,236/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,614
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,811
−HK$1,214/mo
Today · 4.125%
HK$47,025
baseline
▲ 0.50% · 4.625%
HK$49,503
+HK$2,478/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,050/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,063 · 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).