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$22,500
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,200
−HK$711/mo
Today · 4.125%
HK$23,911
baseline
▲ 0.50% · 4.625%
HK$25,366
+HK$1,455/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,822/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,032
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,703
−HK$681/mo
Today · 4.125%
HK$26,384
baseline
▲ 0.50% · 4.625%
HK$27,775
+HK$1,391/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,768/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,001
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,840
−HK$854/mo
Today · 4.125%
HK$28,694
baseline
▲ 0.50% · 4.625%
HK$30,440
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,388/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,038
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,843
−HK$818/mo
Today · 4.125%
HK$31,661
baseline
▲ 0.50% · 4.625%
HK$33,330
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,322/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,501
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,480
−HK$996/mo
Today · 4.125%
HK$33,476
baseline
▲ 0.50% · 4.625%
HK$35,513
+HK$2,037/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,952/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,044
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,984
−HK$953/mo
Today · 4.125%
HK$36,937
baseline
▲ 0.50% · 4.625%
HK$38,884
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,874/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,501
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,761
−HK$1,280/mo
Today · 4.125%
HK$43,041
baseline
▲ 0.50% · 4.625%
HK$45,659
+HK$2,618/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,082/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,057
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,265
−HK$1,226/mo
Today · 4.125%
HK$47,491
baseline
▲ 0.50% · 4.625%
HK$49,994
+HK$2,503/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$94,982/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,751 · 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).