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$22,395
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,092
−HK$708/mo
Today · 4.125%
HK$23,800
baseline
▲ 0.50% · 4.625%
HK$25,248
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,600/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,914
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,583
−HK$678/mo
Today · 4.125%
HK$26,261
baseline
▲ 0.50% · 4.625%
HK$27,645
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,522/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,874
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,710
−HK$850/mo
Today · 4.125%
HK$28,560
baseline
▲ 0.50% · 4.625%
HK$30,297
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,120/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,897
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,699
−HK$814/mo
Today · 4.125%
HK$31,513
baseline
▲ 0.50% · 4.625%
HK$33,174
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,026/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,353
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,329
−HK$990/mo
Today · 4.125%
HK$33,319
baseline
▲ 0.50% · 4.625%
HK$35,347
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,638/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,880
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,816
−HK$949/mo
Today · 4.125%
HK$36,765
baseline
▲ 0.50% · 4.625%
HK$38,703
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,530/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,311
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,565
−HK$1,274/mo
Today · 4.125%
HK$42,839
baseline
▲ 0.50% · 4.625%
HK$45,446
+HK$2,607/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,678/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,846
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,049
−HK$1,220/mo
Today · 4.125%
HK$47,269
baseline
▲ 0.50% · 4.625%
HK$49,761
+HK$2,492/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,538/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,137 · 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).