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$22,281
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$22,974
−HK$704/mo
Today · 4.125%
HK$23,678
baseline
▲ 0.50% · 4.625%
HK$25,119
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,356/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,787
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,452
−HK$675/mo
Today · 4.125%
HK$26,127
baseline
▲ 0.50% · 4.625%
HK$27,504
+HK$1,377/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,254/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,737
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,569
−HK$845/mo
Today · 4.125%
HK$28,414
baseline
▲ 0.50% · 4.625%
HK$30,143
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,828/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,745
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,543
−HK$809/mo
Today · 4.125%
HK$31,352
baseline
▲ 0.50% · 4.625%
HK$33,004
+HK$1,652/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,704/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,193
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,164
−HK$985/mo
Today · 4.125%
HK$33,149
baseline
▲ 0.50% · 4.625%
HK$35,167
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,298/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,702
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,633
−HK$944/mo
Today · 4.125%
HK$36,577
baseline
▲ 0.50% · 4.625%
HK$38,505
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,154/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,106
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,353
−HK$1,268/mo
Today · 4.125%
HK$42,621
baseline
▲ 0.50% · 4.625%
HK$45,214
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,242/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,617
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,814
−HK$1,214/mo
Today · 4.125%
HK$47,028
baseline
▲ 0.50% · 4.625%
HK$49,507
+HK$2,479/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,056/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,126 · 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).