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$22,313
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,007
−HK$705/mo
Today · 4.125%
HK$23,712
baseline
▲ 0.50% · 4.625%
HK$25,155
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,424/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,822
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,488
−HK$676/mo
Today · 4.125%
HK$26,164
baseline
▲ 0.50% · 4.625%
HK$27,543
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,328/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,775
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,608
−HK$846/mo
Today · 4.125%
HK$28,454
baseline
▲ 0.50% · 4.625%
HK$30,185
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,908/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,787
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,586
−HK$810/mo
Today · 4.125%
HK$31,396
baseline
▲ 0.50% · 4.625%
HK$33,051
+HK$1,655/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,792/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,238
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,209
−HK$987/mo
Today · 4.125%
HK$33,196
baseline
▲ 0.50% · 4.625%
HK$35,216
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,392/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,751
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,683
−HK$946/mo
Today · 4.125%
HK$36,629
baseline
▲ 0.50% · 4.625%
HK$38,560
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,258/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,163
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,412
−HK$1,269/mo
Today · 4.125%
HK$42,681
baseline
▲ 0.50% · 4.625%
HK$45,278
+HK$2,597/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,362/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,680
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,879
−HK$1,215/mo
Today · 4.125%
HK$47,094
baseline
▲ 0.50% · 4.625%
HK$49,577
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,188/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,510 · 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).