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$22,292
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,985
−HK$705/mo
Today · 4.125%
HK$23,690
baseline
▲ 0.50% · 4.625%
HK$25,131
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,380/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,800
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,465
−HK$675/mo
Today · 4.125%
HK$26,140
baseline
▲ 0.50% · 4.625%
HK$27,517
+HK$1,377/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,280/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,750
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,583
−HK$845/mo
Today · 4.125%
HK$28,428
baseline
▲ 0.50% · 4.625%
HK$30,158
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,856/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,760
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,558
−HK$809/mo
Today · 4.125%
HK$31,367
baseline
▲ 0.50% · 4.625%
HK$33,021
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,734/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,209
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,180
−HK$986/mo
Today · 4.125%
HK$33,166
baseline
▲ 0.50% · 4.625%
HK$35,184
+HK$2,018/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,332/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,720
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,651
−HK$944/mo
Today · 4.125%
HK$36,595
baseline
▲ 0.50% · 4.625%
HK$38,524
+HK$1,929/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,190/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,126
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,374
−HK$1,268/mo
Today · 4.125%
HK$42,642
baseline
▲ 0.50% · 4.625%
HK$45,237
+HK$2,595/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,284/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,639
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,837
−HK$1,214/mo
Today · 4.125%
HK$47,051
baseline
▲ 0.50% · 4.625%
HK$49,531
+HK$2,480/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,102/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,613 · 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).