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$22,303
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,997
−HK$705/mo
Today · 4.125%
HK$23,702
baseline
▲ 0.50% · 4.625%
HK$25,144
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,404/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,812
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,478
−HK$675/mo
Today · 4.125%
HK$26,153
baseline
▲ 0.50% · 4.625%
HK$27,531
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,306/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,764
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,596
−HK$846/mo
Today · 4.125%
HK$28,442
baseline
▲ 0.50% · 4.625%
HK$30,173
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,884/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,775
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,573
−HK$810/mo
Today · 4.125%
HK$31,383
baseline
▲ 0.50% · 4.625%
HK$33,038
+HK$1,655/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,766/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,225
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,196
−HK$987/mo
Today · 4.125%
HK$33,183
baseline
▲ 0.50% · 4.625%
HK$35,202
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,366/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,737
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,669
−HK$945/mo
Today · 4.125%
HK$36,614
baseline
▲ 0.50% · 4.625%
HK$38,544
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,228/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,146
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,395
−HK$1,268/mo
Today · 4.125%
HK$42,663
baseline
▲ 0.50% · 4.625%
HK$45,259
+HK$2,596/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,326/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,662
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,860
−HK$1,215/mo
Today · 4.125%
HK$47,075
baseline
▲ 0.50% · 4.625%
HK$49,556
+HK$2,481/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,150/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,106 · 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).