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$22,323
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$23,017
−HK$706/mo
Today · 4.125%
HK$23,723
baseline
▲ 0.50% · 4.625%
HK$25,166
+HK$1,443/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$47,446/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,834
−HK$1,341/mo
▼ 0.25% · 3.875%
HK$25,500
−HK$675/mo
Today · 4.125%
HK$26,175
baseline
▲ 0.50% · 4.625%
HK$27,555
+HK$1,380/mo
Deposit HK$4.89M · loan HK$4.89M · min. income ≈ HK$52,350/mo (50% DSR)
Upfront cash ≈ HK$5.24M (deposit + AVD stamp duty HK$348,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,787
−HK$1,680/mo
▼ 0.25% · 3.875%
HK$27,620
−HK$847/mo
Today · 4.125%
HK$28,467
baseline
▲ 0.50% · 4.625%
HK$30,199
+HK$1,732/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$56,934/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,801
−HK$1,610/mo
▼ 0.25% · 3.875%
HK$30,600
−HK$811/mo
Today · 4.125%
HK$31,411
baseline
▲ 0.50% · 4.625%
HK$33,066
+HK$1,655/mo
Deposit HK$3.92M · loan HK$5.87M · min. income ≈ HK$62,822/mo (50% DSR)
Upfront cash ≈ HK$4.26M (deposit + AVD stamp duty HK$348,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,252
−HK$1,960/mo
▼ 0.25% · 3.875%
HK$32,224
−HK$988/mo
Today · 4.125%
HK$33,212
baseline
▲ 0.50% · 4.625%
HK$35,232
+HK$2,020/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$66,424/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,767
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$35,700
−HK$946/mo
Today · 4.125%
HK$36,646
baseline
▲ 0.50% · 4.625%
HK$38,577
+HK$1,931/mo
Deposit HK$2.94M · loan HK$6.85M · min. income ≈ HK$73,292/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$348,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,181
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,431
−HK$1,270/mo
Today · 4.125%
HK$42,701
baseline
▲ 0.50% · 4.625%
HK$45,299
+HK$2,598/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$85,402/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,701
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,900
−HK$1,216/mo
Today · 4.125%
HK$47,116
baseline
▲ 0.50% · 4.625%
HK$49,599
+HK$2,483/mo
Deposit HK$979K · loan HK$8.81M · min. income ≈ HK$94,232/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$348,955 · 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).