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$22,316
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,010
−HK$705/mo
Today · 4.125%
HK$23,715
baseline
▲ 0.50% · 4.625%
HK$25,159
+HK$1,444/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,430/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,826
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,492
−HK$676/mo
Today · 4.125%
HK$26,168
baseline
▲ 0.50% · 4.625%
HK$27,547
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,336/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,779
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,612
−HK$847/mo
Today · 4.125%
HK$28,459
baseline
▲ 0.50% · 4.625%
HK$30,190
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,918/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,792
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,591
−HK$810/mo
Today · 4.125%
HK$31,401
baseline
▲ 0.50% · 4.625%
HK$33,056
+HK$1,655/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,802/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,242
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,214
−HK$988/mo
Today · 4.125%
HK$33,202
baseline
▲ 0.50% · 4.625%
HK$35,222
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,404/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,757
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,689
−HK$946/mo
Today · 4.125%
HK$36,635
baseline
▲ 0.50% · 4.625%
HK$38,566
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,270/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,169
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,418
−HK$1,270/mo
Today · 4.125%
HK$42,688
baseline
▲ 0.50% · 4.625%
HK$45,285
+HK$2,597/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,376/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,688
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,886
−HK$1,216/mo
Today · 4.125%
HK$47,102
baseline
▲ 0.50% · 4.625%
HK$49,585
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,204/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,665 · 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).