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$22,301
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,995
−HK$705/mo
Today · 4.125%
HK$23,700
baseline
▲ 0.50% · 4.625%
HK$25,142
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,400/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,810
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,475
−HK$675/mo
Today · 4.125%
HK$26,150
baseline
▲ 0.50% · 4.625%
HK$27,529
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,300/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,761
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,594
−HK$846/mo
Today · 4.125%
HK$28,440
baseline
▲ 0.50% · 4.625%
HK$30,170
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,880/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,772
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,570
−HK$810/mo
Today · 4.125%
HK$31,380
baseline
▲ 0.50% · 4.625%
HK$33,034
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,760/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,222
−HK$1,957/mo
▼ 0.25% · 3.875%
HK$32,193
−HK$986/mo
Today · 4.125%
HK$33,179
baseline
▲ 0.50% · 4.625%
HK$35,198
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,358/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,734
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,665
−HK$945/mo
Today · 4.125%
HK$36,610
baseline
▲ 0.50% · 4.625%
HK$38,540
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,220/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,142
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,391
−HK$1,268/mo
Today · 4.125%
HK$42,659
baseline
▲ 0.50% · 4.625%
HK$45,255
+HK$2,596/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,318/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,658
−HK$2,412/mo
▼ 0.25% · 3.875%
HK$45,855
−HK$1,215/mo
Today · 4.125%
HK$47,070
baseline
▲ 0.50% · 4.625%
HK$49,552
+HK$2,482/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,140/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,011 · 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).