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$22,303
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$22,997
−HK$704/mo
Today · 4.125%
HK$23,701
baseline
▲ 0.50% · 4.625%
HK$25,144
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,402/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,812
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,477
−HK$675/mo
Today · 4.125%
HK$26,152
baseline
▲ 0.50% · 4.625%
HK$27,531
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,304/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,763
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,596
−HK$846/mo
Today · 4.125%
HK$28,442
baseline
▲ 0.50% · 4.625%
HK$30,172
+HK$1,730/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,884/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,774
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,573
−HK$810/mo
Today · 4.125%
HK$31,383
baseline
▲ 0.50% · 4.625%
HK$33,037
+HK$1,654/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,766/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,224
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,195
−HK$987/mo
Today · 4.125%
HK$33,182
baseline
▲ 0.50% · 4.625%
HK$35,201
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,364/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,736
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,668
−HK$945/mo
Today · 4.125%
HK$36,613
baseline
▲ 0.50% · 4.625%
HK$38,543
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,226/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,145
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,394
−HK$1,269/mo
Today · 4.125%
HK$42,663
baseline
▲ 0.50% · 4.625%
HK$45,258
+HK$2,595/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,326/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,661
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,859
−HK$1,215/mo
Today · 4.125%
HK$47,074
baseline
▲ 0.50% · 4.625%
HK$49,555
+HK$2,481/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,148/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,084 · 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).