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$22,318
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,012
−HK$706/mo
Today · 4.125%
HK$23,718
baseline
▲ 0.50% · 4.625%
HK$25,161
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,436/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,829
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,495
−HK$675/mo
Today · 4.125%
HK$26,170
baseline
▲ 0.50% · 4.625%
HK$27,550
+HK$1,380/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,340/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,782
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,615
−HK$846/mo
Today · 4.125%
HK$28,461
baseline
▲ 0.50% · 4.625%
HK$30,193
+HK$1,732/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$56,922/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,794
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,593
−HK$811/mo
Today · 4.125%
HK$31,404
baseline
▲ 0.50% · 4.625%
HK$33,059
+HK$1,655/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$62,808/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,245
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,217
−HK$988/mo
Today · 4.125%
HK$33,205
baseline
▲ 0.50% · 4.625%
HK$35,225
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,410/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,760
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,692
−HK$946/mo
Today · 4.125%
HK$36,638
baseline
▲ 0.50% · 4.625%
HK$38,569
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,276/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,173
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,422
−HK$1,270/mo
Today · 4.125%
HK$42,692
baseline
▲ 0.50% · 4.625%
HK$45,289
+HK$2,597/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,384/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,692
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,890
−HK$1,216/mo
Today · 4.125%
HK$47,106
baseline
▲ 0.50% · 4.625%
HK$49,589
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,212/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,755 · 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).