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$22,317
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,012
−HK$705/mo
Today · 4.125%
HK$23,717
baseline
▲ 0.50% · 4.625%
HK$25,160
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,434/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,828
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,494
−HK$675/mo
Today · 4.125%
HK$26,169
baseline
▲ 0.50% · 4.625%
HK$27,549
+HK$1,380/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,338/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,781
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,614
−HK$846/mo
Today · 4.125%
HK$28,460
baseline
▲ 0.50% · 4.625%
HK$30,192
+HK$1,732/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,920/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,793
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,592
−HK$811/mo
Today · 4.125%
HK$31,403
baseline
▲ 0.50% · 4.625%
HK$33,058
+HK$1,655/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,806/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,244
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,216
−HK$988/mo
Today · 4.125%
HK$33,204
baseline
▲ 0.50% · 4.625%
HK$35,224
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,408/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,759
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,691
−HK$946/mo
Today · 4.125%
HK$36,637
baseline
▲ 0.50% · 4.625%
HK$38,568
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,274/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,171
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,421
−HK$1,269/mo
Today · 4.125%
HK$42,690
baseline
▲ 0.50% · 4.625%
HK$45,288
+HK$2,598/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,380/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,690
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,889
−HK$1,216/mo
Today · 4.125%
HK$47,105
baseline
▲ 0.50% · 4.625%
HK$49,588
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,210/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,723 · 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).