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$22,482
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,181
−HK$711/mo
Today · 4.125%
HK$23,892
baseline
▲ 0.50% · 4.625%
HK$25,345
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,784/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,011
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,681
−HK$681/mo
Today · 4.125%
HK$26,362
baseline
▲ 0.50% · 4.625%
HK$27,752
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,724/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,978
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,817
−HK$853/mo
Today · 4.125%
HK$28,670
baseline
▲ 0.50% · 4.625%
HK$30,414
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,340/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,013
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,818
−HK$816/mo
Today · 4.125%
HK$31,634
baseline
▲ 0.50% · 4.625%
HK$33,302
+HK$1,668/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,268/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,474
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,453
−HK$995/mo
Today · 4.125%
HK$33,448
baseline
▲ 0.50% · 4.625%
HK$35,483
+HK$2,035/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,896/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,015
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,954
−HK$953/mo
Today · 4.125%
HK$36,907
baseline
▲ 0.50% · 4.625%
HK$38,852
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,814/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,467
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,726
−HK$1,279/mo
Today · 4.125%
HK$43,005
baseline
▲ 0.50% · 4.625%
HK$45,622
+HK$2,617/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$86,010/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,019
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,227
−HK$1,225/mo
Today · 4.125%
HK$47,452
baseline
▲ 0.50% · 4.625%
HK$49,953
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,904/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,931 · 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).