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$22,298
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,992
−HK$705/mo
Today · 4.125%
HK$23,697
baseline
▲ 0.50% · 4.625%
HK$25,138
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,394/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,807
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,472
−HK$675/mo
Today · 4.125%
HK$26,147
baseline
▲ 0.50% · 4.625%
HK$27,525
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,294/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,758
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,590
−HK$846/mo
Today · 4.125%
HK$28,436
baseline
▲ 0.50% · 4.625%
HK$30,166
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,872/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,768
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,566
−HK$810/mo
Today · 4.125%
HK$31,376
baseline
▲ 0.50% · 4.625%
HK$33,030
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,752/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,217
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,189
−HK$986/mo
Today · 4.125%
HK$33,175
baseline
▲ 0.50% · 4.625%
HK$35,194
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,350/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,729
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,661
−HK$944/mo
Today · 4.125%
HK$36,605
baseline
▲ 0.50% · 4.625%
HK$38,535
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,210/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,137
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,385
−HK$1,269/mo
Today · 4.125%
HK$42,654
baseline
▲ 0.50% · 4.625%
HK$45,249
+HK$2,595/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,308/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,652
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,849
−HK$1,215/mo
Today · 4.125%
HK$47,064
baseline
▲ 0.50% · 4.625%
HK$49,545
+HK$2,481/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,128/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,882 · 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).