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$1,398/mo
▼ 0.25% · 3.875%
HK$22,983
−HK$704/mo
Today · 4.125%
HK$23,687
baseline
▲ 0.50% · 4.625%
HK$25,129
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,374/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,797
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,462
−HK$675/mo
Today · 4.125%
HK$26,137
baseline
▲ 0.50% · 4.625%
HK$27,514
+HK$1,377/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,274/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,747
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,579
−HK$846/mo
Today · 4.125%
HK$28,425
baseline
▲ 0.50% · 4.625%
HK$30,154
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,850/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,756
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,554
−HK$810/mo
Today · 4.125%
HK$31,364
baseline
▲ 0.50% · 4.625%
HK$33,017
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,728/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,205
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,176
−HK$986/mo
Today · 4.125%
HK$33,162
baseline
▲ 0.50% · 4.625%
HK$35,180
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,324/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,716
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,647
−HK$944/mo
Today · 4.125%
HK$36,591
baseline
▲ 0.50% · 4.625%
HK$38,520
+HK$1,929/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,182/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,121
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,369
−HK$1,268/mo
Today · 4.125%
HK$42,637
baseline
▲ 0.50% · 4.625%
HK$45,231
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,274/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,634
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,831
−HK$1,215/mo
Today · 4.125%
HK$47,046
baseline
▲ 0.50% · 4.625%
HK$49,526
+HK$2,480/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,092/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,499 · 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).