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$22,305
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,998
−HK$705/mo
Today · 4.125%
HK$23,703
baseline
▲ 0.50% · 4.625%
HK$25,146
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,406/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,814
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,479
−HK$675/mo
Today · 4.125%
HK$26,154
baseline
▲ 0.50% · 4.625%
HK$27,533
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,308/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,766
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,598
−HK$846/mo
Today · 4.125%
HK$28,444
baseline
▲ 0.50% · 4.625%
HK$30,175
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,888/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,776
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,575
−HK$810/mo
Today · 4.125%
HK$31,385
baseline
▲ 0.50% · 4.625%
HK$33,039
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,770/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,226
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,198
−HK$987/mo
Today · 4.125%
HK$33,185
baseline
▲ 0.50% · 4.625%
HK$35,204
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,370/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,739
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,671
−HK$945/mo
Today · 4.125%
HK$36,616
baseline
▲ 0.50% · 4.625%
HK$38,546
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,232/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,148
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,397
−HK$1,269/mo
Today · 4.125%
HK$42,666
baseline
▲ 0.50% · 4.625%
HK$45,262
+HK$2,596/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,332/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,665
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,862
−HK$1,216/mo
Today · 4.125%
HK$47,078
baseline
▲ 0.50% · 4.625%
HK$49,559
+HK$2,481/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,156/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,164 · 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).