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$22,318
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,012
−HK$705/mo
Today · 4.125%
HK$23,717
baseline
▲ 0.50% · 4.625%
HK$25,160
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,434/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,828
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,494
−HK$675/mo
Today · 4.125%
HK$26,169
baseline
▲ 0.50% · 4.625%
HK$27,549
+HK$1,380/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,338/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,781
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,614
−HK$847/mo
Today · 4.125%
HK$28,461
baseline
▲ 0.50% · 4.625%
HK$30,192
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,922/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,794
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,593
−HK$810/mo
Today · 4.125%
HK$31,403
baseline
▲ 0.50% · 4.625%
HK$33,059
+HK$1,656/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,806/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,245
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,217
−HK$987/mo
Today · 4.125%
HK$33,204
baseline
▲ 0.50% · 4.625%
HK$35,224
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,408/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,759
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,692
−HK$945/mo
Today · 4.125%
HK$36,637
baseline
▲ 0.50% · 4.625%
HK$38,568
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,274/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,172
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,421
−HK$1,270/mo
Today · 4.125%
HK$42,691
baseline
▲ 0.50% · 4.625%
HK$45,288
+HK$2,597/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,382/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,691
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,889
−HK$1,216/mo
Today · 4.125%
HK$47,105
baseline
▲ 0.50% · 4.625%
HK$49,588
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,210/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,732 · 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).