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$22,288
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,982
−HK$704/mo
Today · 4.125%
HK$23,686
baseline
▲ 0.50% · 4.625%
HK$25,127
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,372/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,796
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,461
−HK$674/mo
Today · 4.125%
HK$26,135
baseline
▲ 0.50% · 4.625%
HK$27,513
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,270/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,746
−HK$1,677/mo
▼ 0.25% · 3.875%
HK$27,578
−HK$845/mo
Today · 4.125%
HK$28,423
baseline
▲ 0.50% · 4.625%
HK$30,153
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,846/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,755
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,553
−HK$809/mo
Today · 4.125%
HK$31,362
baseline
▲ 0.50% · 4.625%
HK$33,015
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,724/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,204
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,174
−HK$987/mo
Today · 4.125%
HK$33,161
baseline
▲ 0.50% · 4.625%
HK$35,178
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,322/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,714
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$35,645
−HK$944/mo
Today · 4.125%
HK$36,589
baseline
▲ 0.50% · 4.625%
HK$38,518
+HK$1,929/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,178/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,119
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$41,367
−HK$1,268/mo
Today · 4.125%
HK$42,635
baseline
▲ 0.50% · 4.625%
HK$45,229
+HK$2,594/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$85,270/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,632
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,829
−HK$1,214/mo
Today · 4.125%
HK$47,043
baseline
▲ 0.50% · 4.625%
HK$49,523
+HK$2,480/mo
Deposit HK$977K · loan HK$8.80M · min. income ≈ HK$94,086/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,452 · 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).