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$22,297
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,990
−HK$705/mo
Today · 4.125%
HK$23,695
baseline
▲ 0.50% · 4.625%
HK$25,137
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,390/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,805
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,470
−HK$675/mo
Today · 4.125%
HK$26,145
baseline
▲ 0.50% · 4.625%
HK$27,523
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,290/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,756
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,588
−HK$846/mo
Today · 4.125%
HK$28,434
baseline
▲ 0.50% · 4.625%
HK$30,164
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,868/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,766
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,564
−HK$810/mo
Today · 4.125%
HK$31,374
baseline
▲ 0.50% · 4.625%
HK$33,028
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,748/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,215
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,186
−HK$987/mo
Today · 4.125%
HK$33,173
baseline
▲ 0.50% · 4.625%
HK$35,191
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,346/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,727
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,658
−HK$945/mo
Today · 4.125%
HK$36,603
baseline
▲ 0.50% · 4.625%
HK$38,532
+HK$1,929/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,206/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,134
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,382
−HK$1,269/mo
Today · 4.125%
HK$42,651
baseline
▲ 0.50% · 4.625%
HK$45,246
+HK$2,595/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,302/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,649
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,846
−HK$1,215/mo
Today · 4.125%
HK$47,061
baseline
▲ 0.50% · 4.625%
HK$49,541
+HK$2,480/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,122/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,812 · 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).