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$22,307
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,001
−HK$705/mo
Today · 4.125%
HK$23,706
baseline
▲ 0.50% · 4.625%
HK$25,148
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,412/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,816
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,482
−HK$675/mo
Today · 4.125%
HK$26,157
baseline
▲ 0.50% · 4.625%
HK$27,536
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,314/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,768
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,601
−HK$846/mo
Today · 4.125%
HK$28,447
baseline
▲ 0.50% · 4.625%
HK$30,178
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,894/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,779
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,578
−HK$810/mo
Today · 4.125%
HK$31,388
baseline
▲ 0.50% · 4.625%
HK$33,043
+HK$1,655/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,776/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,229
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,201
−HK$987/mo
Today · 4.125%
HK$33,188
baseline
▲ 0.50% · 4.625%
HK$35,207
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,376/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,742
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,674
−HK$945/mo
Today · 4.125%
HK$36,619
baseline
▲ 0.50% · 4.625%
HK$38,550
+HK$1,931/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,238/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,152
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,401
−HK$1,269/mo
Today · 4.125%
HK$42,670
baseline
▲ 0.50% · 4.625%
HK$45,266
+HK$2,596/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,340/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,669
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,867
−HK$1,215/mo
Today · 4.125%
HK$47,082
baseline
▲ 0.50% · 4.625%
HK$49,564
+HK$2,482/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,164/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,256 · 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).