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$22,412
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,109
−HK$708/mo
Today · 4.125%
HK$23,817
baseline
▲ 0.50% · 4.625%
HK$25,267
+HK$1,450/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,634/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,933
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,602
−HK$678/mo
Today · 4.125%
HK$26,280
baseline
▲ 0.50% · 4.625%
HK$27,666
+HK$1,386/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,560/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,894
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,731
−HK$850/mo
Today · 4.125%
HK$28,581
baseline
▲ 0.50% · 4.625%
HK$30,320
+HK$1,739/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,162/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,920
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,722
−HK$814/mo
Today · 4.125%
HK$31,536
baseline
▲ 0.50% · 4.625%
HK$33,199
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,072/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,377
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,353
−HK$991/mo
Today · 4.125%
HK$33,344
baseline
▲ 0.50% · 4.625%
HK$35,373
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,688/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,906
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,843
−HK$949/mo
Today · 4.125%
HK$36,792
baseline
▲ 0.50% · 4.625%
HK$38,732
+HK$1,940/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,584/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,342
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,597
−HK$1,274/mo
Today · 4.125%
HK$42,871
baseline
▲ 0.50% · 4.625%
HK$45,480
+HK$2,609/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,742/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,875 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,880
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,083
−HK$1,221/mo
Today · 4.125%
HK$47,304
baseline
▲ 0.50% · 4.625%
HK$49,798
+HK$2,494/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,608/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,875 · 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).