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$22,391
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,088
−HK$708/mo
Today · 4.125%
HK$23,796
baseline
▲ 0.50% · 4.625%
HK$25,243
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,592/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,910
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,578
−HK$678/mo
Today · 4.125%
HK$26,256
baseline
▲ 0.50% · 4.625%
HK$27,640
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,512/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,870
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,705
−HK$850/mo
Today · 4.125%
HK$28,555
baseline
▲ 0.50% · 4.625%
HK$30,292
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,110/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,892
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,694
−HK$813/mo
Today · 4.125%
HK$31,507
baseline
▲ 0.50% · 4.625%
HK$33,168
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,014/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,348
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,323
−HK$991/mo
Today · 4.125%
HK$33,314
baseline
▲ 0.50% · 4.625%
HK$35,341
+HK$2,027/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,628/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,874
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,810
−HK$948/mo
Today · 4.125%
HK$36,758
baseline
▲ 0.50% · 4.625%
HK$38,696
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,516/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,305
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,558
−HK$1,274/mo
Today · 4.125%
HK$42,832
baseline
▲ 0.50% · 4.625%
HK$45,438
+HK$2,606/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,664/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,838
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,041
−HK$1,220/mo
Today · 4.125%
HK$47,261
baseline
▲ 0.50% · 4.625%
HK$49,752
+HK$2,491/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,522/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,969 · 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).