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$22,280
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,974
−HK$704/mo
Today · 4.125%
HK$23,678
baseline
▲ 0.50% · 4.625%
HK$25,118
+HK$1,440/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,356/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,787
−HK$1,339/mo
▼ 0.25% · 3.875%
HK$25,452
−HK$674/mo
Today · 4.125%
HK$26,126
baseline
▲ 0.50% · 4.625%
HK$27,503
+HK$1,377/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,252/mo (50% DSR)
Upfront cash ≈ HK$5.23M (deposit + AVD stamp duty HK$347,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,737
−HK$1,676/mo
▼ 0.25% · 3.875%
HK$27,568
−HK$845/mo
Today · 4.125%
HK$28,413
baseline
▲ 0.50% · 4.625%
HK$30,142
+HK$1,729/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$56,826/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,744
−HK$1,607/mo
▼ 0.25% · 3.875%
HK$30,542
−HK$809/mo
Today · 4.125%
HK$31,351
baseline
▲ 0.50% · 4.625%
HK$33,004
+HK$1,653/mo
Deposit HK$3.91M · loan HK$5.86M · min. income ≈ HK$62,702/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$347,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,193
−HK$1,956/mo
▼ 0.25% · 3.875%
HK$32,163
−HK$986/mo
Today · 4.125%
HK$33,149
baseline
▲ 0.50% · 4.625%
HK$35,166
+HK$2,017/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$66,298/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,702
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$35,632
−HK$944/mo
Today · 4.125%
HK$36,576
baseline
▲ 0.50% · 4.625%
HK$38,504
+HK$1,928/mo
Deposit HK$2.93M · loan HK$6.84M · min. income ≈ HK$73,152/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$347,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,105
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$41,352
−HK$1,268/mo
Today · 4.125%
HK$42,620
baseline
▲ 0.50% · 4.625%
HK$45,213
+HK$2,593/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$85,240/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,616
−HK$2,411/mo
▼ 0.25% · 3.875%
HK$45,813
−HK$1,214/mo
Today · 4.125%
HK$47,027
baseline
▲ 0.50% · 4.625%
HK$49,506
+HK$2,479/mo
Deposit HK$977K · loan HK$8.79M · min. income ≈ HK$94,054/mo (50% DSR)
Upfront cash ≈ HK$1.32M (deposit + AVD stamp duty HK$347,105 · 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).