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$22,309
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,003
−HK$705/mo
Today · 4.125%
HK$23,708
baseline
▲ 0.50% · 4.625%
HK$25,151
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,416/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,819
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,484
−HK$676/mo
Today · 4.125%
HK$26,160
baseline
▲ 0.50% · 4.625%
HK$27,539
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,320/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,771
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,604
−HK$846/mo
Today · 4.125%
HK$28,450
baseline
▲ 0.50% · 4.625%
HK$30,181
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,900/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,782
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,581
−HK$811/mo
Today · 4.125%
HK$31,392
baseline
▲ 0.50% · 4.625%
HK$33,046
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,784/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,233
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,204
−HK$987/mo
Today · 4.125%
HK$33,191
baseline
▲ 0.50% · 4.625%
HK$35,211
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,382/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,746
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,678
−HK$945/mo
Today · 4.125%
HK$36,623
baseline
▲ 0.50% · 4.625%
HK$38,554
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,246/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,156
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,406
−HK$1,269/mo
Today · 4.125%
HK$42,675
baseline
▲ 0.50% · 4.625%
HK$45,271
+HK$2,596/mo
Deposit HK$978K · loan HK$8.81M · min. income ≈ HK$85,350/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,674
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,872
−HK$1,215/mo
Today · 4.125%
HK$47,087
baseline
▲ 0.50% · 4.625%
HK$49,569
+HK$2,482/mo
Deposit HK$978K · loan HK$8.81M · min. income ≈ HK$94,174/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,362 · 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).