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$1,400/mo
▼ 0.25% · 3.875%
HK$23,015
−HK$705/mo
Today · 4.125%
HK$23,720
baseline
▲ 0.50% · 4.625%
HK$25,163
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,440/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,831
−HK$1,342/mo
▼ 0.25% · 3.875%
HK$25,497
−HK$676/mo
Today · 4.125%
HK$26,173
baseline
▲ 0.50% · 4.625%
HK$27,552
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,346/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,785
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,618
−HK$846/mo
Today · 4.125%
HK$28,464
baseline
▲ 0.50% · 4.625%
HK$30,196
+HK$1,732/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$56,928/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,798
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,597
−HK$810/mo
Today · 4.125%
HK$31,407
baseline
▲ 0.50% · 4.625%
HK$33,063
+HK$1,656/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$62,814/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,249
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,221
−HK$987/mo
Today · 4.125%
HK$33,208
baseline
▲ 0.50% · 4.625%
HK$35,229
+HK$2,021/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,416/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,764
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,696
−HK$946/mo
Today · 4.125%
HK$36,642
baseline
▲ 0.50% · 4.625%
HK$38,573
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,284/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,177
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,426
−HK$1,270/mo
Today · 4.125%
HK$42,696
baseline
▲ 0.50% · 4.625%
HK$45,294
+HK$2,598/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,392/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,696
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,895
−HK$1,216/mo
Today · 4.125%
HK$47,111
baseline
▲ 0.50% · 4.625%
HK$49,594
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,222/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,857 · 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).