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$22,296
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,989
−HK$705/mo
Today · 4.125%
HK$23,694
baseline
▲ 0.50% · 4.625%
HK$25,135
+HK$1,441/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,388/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,804
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,469
−HK$675/mo
Today · 4.125%
HK$26,144
baseline
▲ 0.50% · 4.625%
HK$27,522
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,288/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$347,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,755
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,587
−HK$846/mo
Today · 4.125%
HK$28,433
baseline
▲ 0.50% · 4.625%
HK$30,163
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,866/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,764
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,563
−HK$810/mo
Today · 4.125%
HK$31,373
baseline
▲ 0.50% · 4.625%
HK$33,026
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,746/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,214
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,185
−HK$986/mo
Today · 4.125%
HK$33,171
baseline
▲ 0.50% · 4.625%
HK$35,190
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,342/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,725
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,656
−HK$945/mo
Today · 4.125%
HK$36,601
baseline
▲ 0.50% · 4.625%
HK$38,531
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,202/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,132
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,381
−HK$1,268/mo
Today · 4.125%
HK$42,649
baseline
▲ 0.50% · 4.625%
HK$45,244
+HK$2,595/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,298/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,647
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,844
−HK$1,215/mo
Today · 4.125%
HK$47,059
baseline
▲ 0.50% · 4.625%
HK$49,539
+HK$2,480/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,118/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$347,770 · 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).