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$22,315
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,009
−HK$705/mo
Today · 4.125%
HK$23,714
baseline
▲ 0.50% · 4.625%
HK$25,157
+HK$1,443/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$348,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,825
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,491
−HK$675/mo
Today · 4.125%
HK$26,166
baseline
▲ 0.50% · 4.625%
HK$27,546
+HK$1,380/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$348,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,778
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,611
−HK$846/mo
Today · 4.125%
HK$28,457
baseline
▲ 0.50% · 4.625%
HK$30,189
+HK$1,732/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,914/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,790
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,589
−HK$811/mo
Today · 4.125%
HK$31,400
baseline
▲ 0.50% · 4.625%
HK$33,055
+HK$1,655/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,800/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,241
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,213
−HK$987/mo
Today · 4.125%
HK$33,200
baseline
▲ 0.50% · 4.625%
HK$35,220
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,400/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,755
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,687
−HK$946/mo
Today · 4.125%
HK$36,633
baseline
▲ 0.50% · 4.625%
HK$38,564
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,266/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,167
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,416
−HK$1,270/mo
Today · 4.125%
HK$42,686
baseline
▲ 0.50% · 4.625%
HK$45,283
+HK$2,597/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,372/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,685
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,884
−HK$1,215/mo
Today · 4.125%
HK$47,099
baseline
▲ 0.50% · 4.625%
HK$49,582
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,198/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,613 · 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).