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$22,368
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,064
−HK$707/mo
Today · 4.125%
HK$23,771
baseline
▲ 0.50% · 4.625%
HK$25,218
+HK$1,447/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$47,542/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$350,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,885
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,552
−HK$677/mo
Today · 4.125%
HK$26,229
baseline
▲ 0.50% · 4.625%
HK$27,612
+HK$1,383/mo
Deposit HK$4.90M · loan HK$4.90M · min. income ≈ HK$52,458/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$350,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,842
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,677
−HK$848/mo
Today · 4.125%
HK$28,525
baseline
▲ 0.50% · 4.625%
HK$30,261
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$57,050/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,862
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,662
−HK$813/mo
Today · 4.125%
HK$31,475
baseline
▲ 0.50% · 4.625%
HK$33,134
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$62,950/mo (50% DSR)
Upfront cash ≈ HK$4.27M (deposit + AVD stamp duty HK$350,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,316
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,290
−HK$990/mo
Today · 4.125%
HK$33,280
baseline
▲ 0.50% · 4.625%
HK$35,305
+HK$2,025/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,560/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,839
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,773
−HK$948/mo
Today · 4.125%
HK$36,721
baseline
▲ 0.50% · 4.625%
HK$38,656
+HK$1,935/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,442/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$350,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,263
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,516
−HK$1,272/mo
Today · 4.125%
HK$42,788
baseline
▲ 0.50% · 4.625%
HK$45,392
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,576/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,792
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,994
−HK$1,218/mo
Today · 4.125%
HK$47,212
baseline
▲ 0.50% · 4.625%
HK$49,701
+HK$2,489/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,424/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$350,962 · 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).