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$22,386
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,082
−HK$708/mo
Today · 4.125%
HK$23,790
baseline
▲ 0.50% · 4.625%
HK$25,237
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,580/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,904
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,572
−HK$678/mo
Today · 4.125%
HK$26,250
baseline
▲ 0.50% · 4.625%
HK$27,633
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,500/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,863
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,699
−HK$849/mo
Today · 4.125%
HK$28,548
baseline
▲ 0.50% · 4.625%
HK$30,285
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,096/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,885
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,686
−HK$814/mo
Today · 4.125%
HK$31,500
baseline
▲ 0.50% · 4.625%
HK$33,160
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,000/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,340
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,315
−HK$991/mo
Today · 4.125%
HK$33,306
baseline
▲ 0.50% · 4.625%
HK$35,332
+HK$2,026/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,612/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,866
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,801
−HK$948/mo
Today · 4.125%
HK$36,749
baseline
▲ 0.50% · 4.625%
HK$38,687
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,498/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,295
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,548
−HK$1,274/mo
Today · 4.125%
HK$42,822
baseline
▲ 0.50% · 4.625%
HK$45,427
+HK$2,605/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,644/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,827
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,030
−HK$1,219/mo
Today · 4.125%
HK$47,249
baseline
▲ 0.50% · 4.625%
HK$49,740
+HK$2,491/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,498/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,730 · 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).