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$22,395
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,092
−HK$707/mo
Today · 4.125%
HK$23,799
baseline
▲ 0.50% · 4.625%
HK$25,248
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,598/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,914
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,582
−HK$678/mo
Today · 4.125%
HK$26,260
baseline
▲ 0.50% · 4.625%
HK$27,644
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,520/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,874
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,710
−HK$849/mo
Today · 4.125%
HK$28,559
baseline
▲ 0.50% · 4.625%
HK$30,297
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,118/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,897
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,699
−HK$813/mo
Today · 4.125%
HK$31,512
baseline
▲ 0.50% · 4.625%
HK$33,173
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,024/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,353
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,328
−HK$991/mo
Today · 4.125%
HK$33,319
baseline
▲ 0.50% · 4.625%
HK$35,347
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,638/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,880
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,815
−HK$949/mo
Today · 4.125%
HK$36,764
baseline
▲ 0.50% · 4.625%
HK$38,702
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,528/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,311
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,565
−HK$1,274/mo
Today · 4.125%
HK$42,839
baseline
▲ 0.50% · 4.625%
HK$45,446
+HK$2,607/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,678/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,128 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,846
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,048
−HK$1,221/mo
Today · 4.125%
HK$47,269
baseline
▲ 0.50% · 4.625%
HK$49,760
+HK$2,491/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,538/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,128 · 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).