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$22,308
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,002
−HK$705/mo
Today · 4.125%
HK$23,707
baseline
▲ 0.50% · 4.625%
HK$25,149
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,414/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,817
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,483
−HK$675/mo
Today · 4.125%
HK$26,158
baseline
▲ 0.50% · 4.625%
HK$27,537
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,316/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,769
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,602
−HK$846/mo
Today · 4.125%
HK$28,448
baseline
▲ 0.50% · 4.625%
HK$30,179
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,896/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,781
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,579
−HK$811/mo
Today · 4.125%
HK$31,390
baseline
▲ 0.50% · 4.625%
HK$33,044
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,780/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,231
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,202
−HK$987/mo
Today · 4.125%
HK$33,189
baseline
▲ 0.50% · 4.625%
HK$35,209
+HK$2,020/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,378/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,744
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,676
−HK$945/mo
Today · 4.125%
HK$36,621
baseline
▲ 0.50% · 4.625%
HK$38,552
+HK$1,931/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,242/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,154
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,403
−HK$1,269/mo
Today · 4.125%
HK$42,672
baseline
▲ 0.50% · 4.625%
HK$45,269
+HK$2,597/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,344/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,671
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,869
−HK$1,216/mo
Today · 4.125%
HK$47,085
baseline
▲ 0.50% · 4.625%
HK$49,566
+HK$2,481/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,170/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,305 · 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).