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$22,283
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,976
−HK$705/mo
Today · 4.125%
HK$23,681
baseline
▲ 0.50% · 4.625%
HK$25,121
+HK$1,440/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,362/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,790
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,455
−HK$674/mo
Today · 4.125%
HK$26,129
baseline
▲ 0.50% · 4.625%
HK$27,507
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,258/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,740
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,572
−HK$845/mo
Today · 4.125%
HK$28,417
baseline
▲ 0.50% · 4.625%
HK$30,146
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,834/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,748
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,546
−HK$809/mo
Today · 4.125%
HK$31,355
baseline
▲ 0.50% · 4.625%
HK$33,008
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,710/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,197
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,167
−HK$986/mo
Today · 4.125%
HK$33,153
baseline
▲ 0.50% · 4.625%
HK$35,170
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,306/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,706
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,637
−HK$944/mo
Today · 4.125%
HK$36,581
baseline
▲ 0.50% · 4.625%
HK$38,509
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,162/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,110
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,357
−HK$1,268/mo
Today · 4.125%
HK$42,625
baseline
▲ 0.50% · 4.625%
HK$45,219
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,250/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,622
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,819
−HK$1,214/mo
Today · 4.125%
HK$47,033
baseline
▲ 0.50% · 4.625%
HK$49,512
+HK$2,479/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,066/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,225 · 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).