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$22,322
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,017
−HK$705/mo
Today · 4.125%
HK$23,722
baseline
▲ 0.50% · 4.625%
HK$25,165
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,444/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,833
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,499
−HK$676/mo
Today · 4.125%
HK$26,175
baseline
▲ 0.50% · 4.625%
HK$27,555
+HK$1,380/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,350/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,787
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,620
−HK$846/mo
Today · 4.125%
HK$28,466
baseline
▲ 0.50% · 4.625%
HK$30,199
+HK$1,733/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$56,932/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,800
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,599
−HK$811/mo
Today · 4.125%
HK$31,410
baseline
▲ 0.50% · 4.625%
HK$33,066
+HK$1,656/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$62,820/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,251
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,223
−HK$988/mo
Today · 4.125%
HK$33,211
baseline
▲ 0.50% · 4.625%
HK$35,232
+HK$2,021/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,422/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,767
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,699
−HK$946/mo
Today · 4.125%
HK$36,645
baseline
▲ 0.50% · 4.625%
HK$38,576
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,290/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,180
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,430
−HK$1,270/mo
Today · 4.125%
HK$42,700
baseline
▲ 0.50% · 4.625%
HK$45,298
+HK$2,598/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,400/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,700
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,899
−HK$1,216/mo
Today · 4.125%
HK$47,115
baseline
▲ 0.50% · 4.625%
HK$49,598
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,230/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,935 · 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).