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$22,314
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$23,008
−HK$705/mo
Today · 4.125%
HK$23,713
baseline
▲ 0.50% · 4.625%
HK$25,156
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,426/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,824
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,490
−HK$675/mo
Today · 4.125%
HK$26,165
baseline
▲ 0.50% · 4.625%
HK$27,544
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,330/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,777
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,609
−HK$847/mo
Today · 4.125%
HK$28,456
baseline
▲ 0.50% · 4.625%
HK$30,187
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,912/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,789
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,588
−HK$810/mo
Today · 4.125%
HK$31,398
baseline
▲ 0.50% · 4.625%
HK$33,053
+HK$1,655/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,796/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,239
−HK$1,959/mo
▼ 0.25% · 3.875%
HK$32,211
−HK$987/mo
Today · 4.125%
HK$33,198
baseline
▲ 0.50% · 4.625%
HK$35,218
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,396/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,753
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$35,685
−HK$946/mo
Today · 4.125%
HK$36,631
baseline
▲ 0.50% · 4.625%
HK$38,562
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,262/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,165
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,414
−HK$1,269/mo
Today · 4.125%
HK$42,683
baseline
▲ 0.50% · 4.625%
HK$45,281
+HK$2,598/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,366/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,683
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,881
−HK$1,216/mo
Today · 4.125%
HK$47,097
baseline
▲ 0.50% · 4.625%
HK$49,580
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,194/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,564 · 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).