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$22,313
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,007
−HK$706/mo
Today · 4.125%
HK$23,713
baseline
▲ 0.50% · 4.625%
HK$25,155
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,426/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,823
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,489
−HK$676/mo
Today · 4.125%
HK$26,165
baseline
▲ 0.50% · 4.625%
HK$27,544
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,330/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,776
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,609
−HK$846/mo
Today · 4.125%
HK$28,455
baseline
▲ 0.50% · 4.625%
HK$30,187
+HK$1,732/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,910/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,788
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,587
−HK$810/mo
Today · 4.125%
HK$31,397
baseline
▲ 0.50% · 4.625%
HK$33,052
+HK$1,655/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,794/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,239
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,210
−HK$988/mo
Today · 4.125%
HK$33,198
baseline
▲ 0.50% · 4.625%
HK$35,218
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,396/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,753
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,685
−HK$945/mo
Today · 4.125%
HK$36,630
baseline
▲ 0.50% · 4.625%
HK$38,561
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,260/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,164
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,413
−HK$1,270/mo
Today · 4.125%
HK$42,683
baseline
▲ 0.50% · 4.625%
HK$45,280
+HK$2,597/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,366/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,682
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,881
−HK$1,215/mo
Today · 4.125%
HK$47,096
baseline
▲ 0.50% · 4.625%
HK$49,579
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,192/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,548 · 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).