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$22,307
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,001
−HK$705/mo
Today · 4.125%
HK$23,706
baseline
▲ 0.50% · 4.625%
HK$25,148
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,412/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,816
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,482
−HK$675/mo
Today · 4.125%
HK$26,157
baseline
▲ 0.50% · 4.625%
HK$27,536
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,314/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,769
−HK$1,678/mo
▼ 0.25% · 3.875%
HK$27,601
−HK$846/mo
Today · 4.125%
HK$28,447
baseline
▲ 0.50% · 4.625%
HK$30,178
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,894/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,780
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,578
−HK$811/mo
Today · 4.125%
HK$31,389
baseline
▲ 0.50% · 4.625%
HK$33,043
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,778/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,230
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,201
−HK$987/mo
Today · 4.125%
HK$33,188
baseline
▲ 0.50% · 4.625%
HK$35,208
+HK$2,020/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,376/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,743
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,675
−HK$945/mo
Today · 4.125%
HK$36,620
baseline
▲ 0.50% · 4.625%
HK$38,550
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,240/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,153
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,402
−HK$1,269/mo
Today · 4.125%
HK$42,671
baseline
▲ 0.50% · 4.625%
HK$45,267
+HK$2,596/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,342/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,271 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,670
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,868
−HK$1,215/mo
Today · 4.125%
HK$47,083
baseline
▲ 0.50% · 4.625%
HK$49,565
+HK$2,482/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,166/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,271 · 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).