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$22,496
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,196
−HK$711/mo
Today · 4.125%
HK$23,907
baseline
▲ 0.50% · 4.625%
HK$25,362
+HK$1,455/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,814/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,027
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,698
−HK$681/mo
Today · 4.125%
HK$26,379
baseline
▲ 0.50% · 4.625%
HK$27,769
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,758/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,995
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,835
−HK$853/mo
Today · 4.125%
HK$28,688
baseline
▲ 0.50% · 4.625%
HK$30,434
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,376/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,032
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,838
−HK$817/mo
Today · 4.125%
HK$31,655
baseline
▲ 0.50% · 4.625%
HK$33,323
+HK$1,668/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,310/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,495
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,474
−HK$996/mo
Today · 4.125%
HK$33,470
baseline
▲ 0.50% · 4.625%
HK$35,506
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,940/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,037
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,977
−HK$953/mo
Today · 4.125%
HK$36,930
baseline
▲ 0.50% · 4.625%
HK$38,877
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,860/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,493
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,753
−HK$1,279/mo
Today · 4.125%
HK$43,032
baseline
▲ 0.50% · 4.625%
HK$45,651
+HK$2,619/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,064/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,048
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,256
−HK$1,226/mo
Today · 4.125%
HK$47,482
baseline
▲ 0.50% · 4.625%
HK$49,985
+HK$2,503/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$94,964/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,563 · 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).