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$22,489
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,188
−HK$711/mo
Today · 4.125%
HK$23,899
baseline
▲ 0.50% · 4.625%
HK$25,353
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,798/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,019
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,690
−HK$680/mo
Today · 4.125%
HK$26,370
baseline
▲ 0.50% · 4.625%
HK$27,760
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,740/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,987
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,826
−HK$853/mo
Today · 4.125%
HK$28,679
baseline
▲ 0.50% · 4.625%
HK$30,424
+HK$1,745/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,358/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,022
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,827
−HK$817/mo
Today · 4.125%
HK$31,644
baseline
▲ 0.50% · 4.625%
HK$33,312
+HK$1,668/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,288/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,484
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,464
−HK$995/mo
Today · 4.125%
HK$33,459
baseline
▲ 0.50% · 4.625%
HK$35,495
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,918/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$356,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,026
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,965
−HK$953/mo
Today · 4.125%
HK$36,918
baseline
▲ 0.50% · 4.625%
HK$38,864
+HK$1,946/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,836/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$356,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,480
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,739
−HK$1,279/mo
Today · 4.125%
HK$43,018
baseline
▲ 0.50% · 4.625%
HK$45,636
+HK$2,618/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$86,036/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,033
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,241
−HK$1,225/mo
Today · 4.125%
HK$47,466
baseline
▲ 0.50% · 4.625%
HK$49,969
+HK$2,503/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$94,932/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,241 · 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).