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$22,302
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,996
−HK$705/mo
Today · 4.125%
HK$23,701
baseline
▲ 0.50% · 4.625%
HK$25,143
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,402/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,811
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,477
−HK$675/mo
Today · 4.125%
HK$26,152
baseline
▲ 0.50% · 4.625%
HK$27,530
+HK$1,378/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,304/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,763
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,595
−HK$846/mo
Today · 4.125%
HK$28,441
baseline
▲ 0.50% · 4.625%
HK$30,172
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,882/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,774
−HK$1,608/mo
▼ 0.25% · 3.875%
HK$30,572
−HK$810/mo
Today · 4.125%
HK$31,382
baseline
▲ 0.50% · 4.625%
HK$33,036
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,764/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,223
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,195
−HK$986/mo
Today · 4.125%
HK$33,181
baseline
▲ 0.50% · 4.625%
HK$35,200
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,362/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,736
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$35,667
−HK$945/mo
Today · 4.125%
HK$36,612
baseline
▲ 0.50% · 4.625%
HK$38,542
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,224/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,144
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,393
−HK$1,269/mo
Today · 4.125%
HK$42,662
baseline
▲ 0.50% · 4.625%
HK$45,258
+HK$2,596/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,324/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,660
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,858
−HK$1,215/mo
Today · 4.125%
HK$47,073
baseline
▲ 0.50% · 4.625%
HK$49,554
+HK$2,481/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,146/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,069 · 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).