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$22,284
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,977
−HK$705/mo
Today · 4.125%
HK$23,682
baseline
▲ 0.50% · 4.625%
HK$25,123
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,364/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,791
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,456
−HK$674/mo
Today · 4.125%
HK$26,130
baseline
▲ 0.50% · 4.625%
HK$27,508
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,260/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,741
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,573
−HK$845/mo
Today · 4.125%
HK$28,418
baseline
▲ 0.50% · 4.625%
HK$30,147
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,836/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,749
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,547
−HK$810/mo
Today · 4.125%
HK$31,357
baseline
▲ 0.50% · 4.625%
HK$33,009
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,714/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,198
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,168
−HK$986/mo
Today · 4.125%
HK$33,154
baseline
▲ 0.50% · 4.625%
HK$35,172
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,308/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,707
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,638
−HK$945/mo
Today · 4.125%
HK$36,583
baseline
▲ 0.50% · 4.625%
HK$38,511
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,166/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,112
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,359
−HK$1,268/mo
Today · 4.125%
HK$42,627
baseline
▲ 0.50% · 4.625%
HK$45,221
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,254/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,624
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,821
−HK$1,214/mo
Today · 4.125%
HK$47,035
baseline
▲ 0.50% · 4.625%
HK$49,514
+HK$2,479/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,070/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,272 · 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).