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$22,319
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,013
−HK$705/mo
Today · 4.125%
HK$23,718
baseline
▲ 0.50% · 4.625%
HK$25,161
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,436/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,829
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,495
−HK$676/mo
Today · 4.125%
HK$26,171
baseline
▲ 0.50% · 4.625%
HK$27,550
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,342/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,782
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,615
−HK$847/mo
Today · 4.125%
HK$28,462
baseline
▲ 0.50% · 4.625%
HK$30,194
+HK$1,732/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$56,924/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,795
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,594
−HK$811/mo
Today · 4.125%
HK$31,405
baseline
▲ 0.50% · 4.625%
HK$33,060
+HK$1,655/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$62,810/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,246
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,218
−HK$988/mo
Today · 4.125%
HK$33,206
baseline
▲ 0.50% · 4.625%
HK$35,226
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,412/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,761
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,693
−HK$946/mo
Today · 4.125%
HK$36,639
baseline
▲ 0.50% · 4.625%
HK$38,570
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,278/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,174
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,423
−HK$1,270/mo
Today · 4.125%
HK$42,693
baseline
▲ 0.50% · 4.625%
HK$45,291
+HK$2,598/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,386/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,693
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,891
−HK$1,216/mo
Today · 4.125%
HK$47,107
baseline
▲ 0.50% · 4.625%
HK$49,590
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,214/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,779 · 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).