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$22,114
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$22,802
−HK$699/mo
Today · 4.125%
HK$23,501
baseline
▲ 0.50% · 4.625%
HK$24,931
+HK$1,430/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$47,002/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,601
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$25,261
−HK$670/mo
Today · 4.125%
HK$25,931
baseline
▲ 0.50% · 4.625%
HK$27,297
+HK$1,366/mo
Deposit HK$4.85M · loan HK$4.85M · min. income ≈ HK$51,862/mo (50% DSR)
Upfront cash ≈ HK$5.19M (deposit + AVD stamp duty HK$339,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,537
−HK$1,664/mo
▼ 0.25% · 3.875%
HK$27,362
−HK$839/mo
Today · 4.125%
HK$28,201
baseline
▲ 0.50% · 4.625%
HK$29,917
+HK$1,716/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$56,402/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,522
−HK$1,595/mo
▼ 0.25% · 3.875%
HK$30,314
−HK$803/mo
Today · 4.125%
HK$31,117
baseline
▲ 0.50% · 4.625%
HK$32,757
+HK$1,640/mo
Deposit HK$3.88M · loan HK$5.82M · min. income ≈ HK$62,234/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$339,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,959
−HK$1,942/mo
▼ 0.25% · 3.875%
HK$31,922
−HK$979/mo
Today · 4.125%
HK$32,901
baseline
▲ 0.50% · 4.625%
HK$34,903
+HK$2,002/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$65,802/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,442
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$35,366
−HK$937/mo
Today · 4.125%
HK$36,303
baseline
▲ 0.50% · 4.625%
HK$38,216
+HK$1,913/mo
Deposit HK$2.91M · loan HK$6.79M · min. income ≈ HK$72,606/mo (50% DSR)
Upfront cash ≈ HK$3.25M (deposit + AVD stamp duty HK$339,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,805
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$41,043
−HK$1,258/mo
Today · 4.125%
HK$42,301
baseline
▲ 0.50% · 4.625%
HK$44,875
+HK$2,574/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$84,602/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,283
−HK$2,392/mo
▼ 0.25% · 3.875%
HK$45,470
−HK$1,205/mo
Today · 4.125%
HK$46,675
baseline
▲ 0.50% · 4.625%
HK$49,135
+HK$2,460/mo
Deposit HK$970K · loan HK$8.73M · min. income ≈ HK$93,350/mo (50% DSR)
Upfront cash ≈ HK$1.31M (deposit + AVD stamp duty HK$339,800 · 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).