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$22,285
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,978
−HK$705/mo
Today · 4.125%
HK$23,683
baseline
▲ 0.50% · 4.625%
HK$25,124
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,366/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,792
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,457
−HK$674/mo
Today · 4.125%
HK$26,131
baseline
▲ 0.50% · 4.625%
HK$27,509
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,262/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,742
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,574
−HK$845/mo
Today · 4.125%
HK$28,419
baseline
▲ 0.50% · 4.625%
HK$30,148
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,838/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,750
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,548
−HK$810/mo
Today · 4.125%
HK$31,358
baseline
▲ 0.50% · 4.625%
HK$33,011
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,716/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,199
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,170
−HK$986/mo
Today · 4.125%
HK$33,156
baseline
▲ 0.50% · 4.625%
HK$35,173
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,312/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,709
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,640
−HK$944/mo
Today · 4.125%
HK$36,584
baseline
▲ 0.50% · 4.625%
HK$38,512
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,168/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,113
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,361
−HK$1,268/mo
Today · 4.125%
HK$42,629
baseline
▲ 0.50% · 4.625%
HK$45,223
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,258/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,626
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,822
−HK$1,215/mo
Today · 4.125%
HK$47,037
baseline
▲ 0.50% · 4.625%
HK$49,516
+HK$2,479/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,074/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,310 · 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).