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$22,317
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,011
−HK$705/mo
Today · 4.125%
HK$23,716
baseline
▲ 0.50% · 4.625%
HK$25,159
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,432/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,827
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,493
−HK$675/mo
Today · 4.125%
HK$26,168
baseline
▲ 0.50% · 4.625%
HK$27,548
+HK$1,380/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$348,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,780
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,613
−HK$846/mo
Today · 4.125%
HK$28,459
baseline
▲ 0.50% · 4.625%
HK$30,191
+HK$1,732/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$348,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,793
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,592
−HK$810/mo
Today · 4.125%
HK$31,402
baseline
▲ 0.50% · 4.625%
HK$33,057
+HK$1,655/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,804/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,243
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,215
−HK$988/mo
Today · 4.125%
HK$33,203
baseline
▲ 0.50% · 4.625%
HK$35,223
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,406/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,758
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,690
−HK$946/mo
Today · 4.125%
HK$36,636
baseline
▲ 0.50% · 4.625%
HK$38,567
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,272/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,170
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,420
−HK$1,269/mo
Today · 4.125%
HK$42,689
baseline
▲ 0.50% · 4.625%
HK$45,287
+HK$2,598/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,378/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,692 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,689
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,887
−HK$1,216/mo
Today · 4.125%
HK$47,103
baseline
▲ 0.50% · 4.625%
HK$49,586
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,206/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,692 · 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).