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$22,299
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,993
−HK$705/mo
Today · 4.125%
HK$23,698
baseline
▲ 0.50% · 4.625%
HK$25,140
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,396/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,808
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,473
−HK$675/mo
Today · 4.125%
HK$26,148
baseline
▲ 0.50% · 4.625%
HK$27,526
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,296/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,759
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,592
−HK$845/mo
Today · 4.125%
HK$28,437
baseline
▲ 0.50% · 4.625%
HK$30,168
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,874/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,769
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,568
−HK$810/mo
Today · 4.125%
HK$31,378
baseline
▲ 0.50% · 4.625%
HK$33,032
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,756/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,219
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,190
−HK$987/mo
Today · 4.125%
HK$33,177
baseline
▲ 0.50% · 4.625%
HK$35,196
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,354/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,731
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,662
−HK$945/mo
Today · 4.125%
HK$36,607
baseline
▲ 0.50% · 4.625%
HK$38,537
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,214/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,139
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,387
−HK$1,269/mo
Today · 4.125%
HK$42,656
baseline
▲ 0.50% · 4.625%
HK$45,252
+HK$2,596/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,312/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,654
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,852
−HK$1,215/mo
Today · 4.125%
HK$47,067
baseline
▲ 0.50% · 4.625%
HK$49,548
+HK$2,481/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,134/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,935 · 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).