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$22,311
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,005
−HK$705/mo
Today · 4.125%
HK$23,710
baseline
▲ 0.50% · 4.625%
HK$25,152
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,420/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,820
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,486
−HK$675/mo
Today · 4.125%
HK$26,161
baseline
▲ 0.50% · 4.625%
HK$27,540
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,322/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,773
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,605
−HK$847/mo
Today · 4.125%
HK$28,452
baseline
▲ 0.50% · 4.625%
HK$30,183
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,904/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,784
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,583
−HK$811/mo
Today · 4.125%
HK$31,394
baseline
▲ 0.50% · 4.625%
HK$33,048
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,788/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,235
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,206
−HK$988/mo
Today · 4.125%
HK$33,194
baseline
▲ 0.50% · 4.625%
HK$35,213
+HK$2,019/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,388/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,748
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,680
−HK$946/mo
Today · 4.125%
HK$36,626
baseline
▲ 0.50% · 4.625%
HK$38,556
+HK$1,930/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,252/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,159
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,408
−HK$1,269/mo
Today · 4.125%
HK$42,677
baseline
▲ 0.50% · 4.625%
HK$45,274
+HK$2,597/mo
Deposit HK$978K · loan HK$8.81M · min. income ≈ HK$85,354/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,677
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,875
−HK$1,215/mo
Today · 4.125%
HK$47,090
baseline
▲ 0.50% · 4.625%
HK$49,572
+HK$2,482/mo
Deposit HK$978K · loan HK$8.81M · min. income ≈ HK$94,180/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,425 · 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).