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$22,305
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$22,999
−HK$705/mo
Today · 4.125%
HK$23,704
baseline
▲ 0.50% · 4.625%
HK$25,146
+HK$1,442/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,408/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,815
−HK$1,340/mo
▼ 0.25% · 3.875%
HK$25,480
−HK$675/mo
Today · 4.125%
HK$26,155
baseline
▲ 0.50% · 4.625%
HK$27,534
+HK$1,379/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,310/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,766
−HK$1,679/mo
▼ 0.25% · 3.875%
HK$27,599
−HK$846/mo
Today · 4.125%
HK$28,445
baseline
▲ 0.50% · 4.625%
HK$30,176
+HK$1,731/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$56,890/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,777
−HK$1,609/mo
▼ 0.25% · 3.875%
HK$30,576
−HK$810/mo
Today · 4.125%
HK$31,386
baseline
▲ 0.50% · 4.625%
HK$33,041
+HK$1,655/mo
Deposit HK$3.91M · loan HK$5.87M · min. income ≈ HK$62,772/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,228
−HK$1,958/mo
▼ 0.25% · 3.875%
HK$32,199
−HK$987/mo
Today · 4.125%
HK$33,186
baseline
▲ 0.50% · 4.625%
HK$35,205
+HK$2,019/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$66,372/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,740
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$35,672
−HK$945/mo
Today · 4.125%
HK$36,617
baseline
▲ 0.50% · 4.625%
HK$38,547
+HK$1,930/mo
Deposit HK$2.93M · loan HK$6.85M · min. income ≈ HK$73,234/mo (50% DSR)
Upfront cash ≈ HK$3.28M (deposit + AVD stamp duty HK$348,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,150
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$41,399
−HK$1,268/mo
Today · 4.125%
HK$42,667
baseline
▲ 0.50% · 4.625%
HK$45,264
+HK$2,597/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$85,334/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,666
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,864
−HK$1,215/mo
Today · 4.125%
HK$47,079
baseline
▲ 0.50% · 4.625%
HK$49,561
+HK$2,482/mo
Deposit HK$978K · loan HK$8.80M · min. income ≈ HK$94,158/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,197 · 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).