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$1,400/mo
▼ 0.25% · 3.875%
HK$23,010
−HK$705/mo
Today · 4.125%
HK$23,715
baseline
▲ 0.50% · 4.625%
HK$25,158
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,430/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,826
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,491
−HK$676/mo
Today · 4.125%
HK$26,167
baseline
▲ 0.50% · 4.625%
HK$27,546
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,334/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,778
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,611
−HK$847/mo
Today · 4.125%
HK$28,458
baseline
▲ 0.50% · 4.625%
HK$30,189
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,916/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,791
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,590
−HK$810/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$348,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,242
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,213
−HK$988/mo
Today · 4.125%
HK$33,201
baseline
▲ 0.50% · 4.625%
HK$35,221
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,402/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,756
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,688
−HK$946/mo
Today · 4.125%
HK$36,634
baseline
▲ 0.50% · 4.625%
HK$38,565
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,268/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,168
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,417
−HK$1,270/mo
Today · 4.125%
HK$42,687
baseline
▲ 0.50% · 4.625%
HK$45,284
+HK$2,597/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,374/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,686
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,885
−HK$1,215/mo
Today · 4.125%
HK$47,100
baseline
▲ 0.50% · 4.625%
HK$49,583
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,200/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,635 · 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).