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$22,314
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,008
−HK$706/mo
Today · 4.125%
HK$23,714
baseline
▲ 0.50% · 4.625%
HK$25,156
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,428/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,824
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,490
−HK$676/mo
Today · 4.125%
HK$26,166
baseline
▲ 0.50% · 4.625%
HK$27,545
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,332/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,777
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,610
−HK$846/mo
Today · 4.125%
HK$28,456
baseline
▲ 0.50% · 4.625%
HK$30,188
+HK$1,732/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,912/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,789
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,588
−HK$811/mo
Today · 4.125%
HK$31,399
baseline
▲ 0.50% · 4.625%
HK$33,054
+HK$1,655/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,798/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,240
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,212
−HK$987/mo
Today · 4.125%
HK$33,199
baseline
▲ 0.50% · 4.625%
HK$35,219
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,398/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,754
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,686
−HK$946/mo
Today · 4.125%
HK$36,632
baseline
▲ 0.50% · 4.625%
HK$38,563
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,264/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,166
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,415
−HK$1,269/mo
Today · 4.125%
HK$42,684
baseline
▲ 0.50% · 4.625%
HK$45,282
+HK$2,598/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,368/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,684
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,882
−HK$1,216/mo
Today · 4.125%
HK$47,098
baseline
▲ 0.50% · 4.625%
HK$49,581
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,196/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,585 · 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).