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$22,320
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,014
−HK$705/mo
Today · 4.125%
HK$23,719
baseline
▲ 0.50% · 4.625%
HK$25,162
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,438/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,830
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,496
−HK$676/mo
Today · 4.125%
HK$26,172
baseline
▲ 0.50% · 4.625%
HK$27,551
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,344/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,784
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,617
−HK$846/mo
Today · 4.125%
HK$28,463
baseline
▲ 0.50% · 4.625%
HK$30,195
+HK$1,732/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$56,926/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,796
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,596
−HK$810/mo
Today · 4.125%
HK$31,406
baseline
▲ 0.50% · 4.625%
HK$33,062
+HK$1,656/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$62,812/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,247
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,219
−HK$988/mo
Today · 4.125%
HK$33,207
baseline
▲ 0.50% · 4.625%
HK$35,227
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,414/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,762
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,695
−HK$946/mo
Today · 4.125%
HK$36,641
baseline
▲ 0.50% · 4.625%
HK$38,572
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,282/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,175
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,425
−HK$1,270/mo
Today · 4.125%
HK$42,695
baseline
▲ 0.50% · 4.625%
HK$45,292
+HK$2,597/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,390/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,695
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,893
−HK$1,216/mo
Today · 4.125%
HK$47,109
baseline
▲ 0.50% · 4.625%
HK$49,593
+HK$2,484/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,218/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,820 · 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).