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$22,310
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,004
−HK$705/mo
Today · 4.125%
HK$23,709
baseline
▲ 0.50% · 4.625%
HK$25,152
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,418/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,820
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$675/mo
Today · 4.125%
HK$26,161
baseline
▲ 0.50% · 4.625%
HK$27,540
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,322/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,772
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,605
−HK$846/mo
Today · 4.125%
HK$28,451
baseline
▲ 0.50% · 4.625%
HK$30,182
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,902/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,784
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,583
−HK$810/mo
Today · 4.125%
HK$31,393
baseline
▲ 0.50% · 4.625%
HK$33,048
+HK$1,655/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,786/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,234
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,206
−HK$987/mo
Today · 4.125%
HK$33,193
baseline
▲ 0.50% · 4.625%
HK$35,213
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,386/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,748
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,680
−HK$945/mo
Today · 4.125%
HK$36,625
baseline
▲ 0.50% · 4.625%
HK$38,556
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,250/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,158
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,408
−HK$1,269/mo
Today · 4.125%
HK$42,677
baseline
▲ 0.50% · 4.625%
HK$45,273
+HK$2,596/mo
Deposit HK$978K · loan HK$8.81M · min. income ≈ HK$85,354/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,676
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,874
−HK$1,215/mo
Today · 4.125%
HK$47,089
baseline
▲ 0.50% · 4.625%
HK$49,572
+HK$2,483/mo
Deposit HK$978K · loan HK$8.81M · min. income ≈ HK$94,178/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,408 · 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).