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$22,290
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,984
−HK$704/mo
Today · 4.125%
HK$23,688
baseline
▲ 0.50% · 4.625%
HK$25,129
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,376/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,798
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,463
−HK$674/mo
Today · 4.125%
HK$26,137
baseline
▲ 0.50% · 4.625%
HK$27,515
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,274/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,748
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,580
−HK$846/mo
Today · 4.125%
HK$28,426
baseline
▲ 0.50% · 4.625%
HK$30,155
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,852/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,757
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,555
−HK$810/mo
Today · 4.125%
HK$31,365
baseline
▲ 0.50% · 4.625%
HK$33,018
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,730/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,206
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,177
−HK$986/mo
Today · 4.125%
HK$33,163
baseline
▲ 0.50% · 4.625%
HK$35,181
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,326/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,717
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,648
−HK$944/mo
Today · 4.125%
HK$36,592
baseline
▲ 0.50% · 4.625%
HK$38,521
+HK$1,929/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,184/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,122
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,370
−HK$1,268/mo
Today · 4.125%
HK$42,638
baseline
▲ 0.50% · 4.625%
HK$45,233
+HK$2,595/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,276/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,636
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,833
−HK$1,214/mo
Today · 4.125%
HK$47,047
baseline
▲ 0.50% · 4.625%
HK$49,527
+HK$2,480/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,094/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,530 · 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).