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$22,488
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,188
−HK$711/mo
Today · 4.125%
HK$23,899
baseline
▲ 0.50% · 4.625%
HK$25,353
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,798/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,018
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,689
−HK$681/mo
Today · 4.125%
HK$26,370
baseline
▲ 0.50% · 4.625%
HK$27,760
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,740/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,986
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,826
−HK$852/mo
Today · 4.125%
HK$28,678
baseline
▲ 0.50% · 4.625%
HK$30,423
+HK$1,745/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,356/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,022
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,827
−HK$817/mo
Today · 4.125%
HK$31,644
baseline
▲ 0.50% · 4.625%
HK$33,312
+HK$1,668/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,288/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,484
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,463
−HK$995/mo
Today · 4.125%
HK$33,458
baseline
▲ 0.50% · 4.625%
HK$35,494
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,916/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$356,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,025
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,965
−HK$953/mo
Today · 4.125%
HK$36,918
baseline
▲ 0.50% · 4.625%
HK$38,864
+HK$1,946/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,836/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$356,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,479
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,738
−HK$1,280/mo
Today · 4.125%
HK$43,018
baseline
▲ 0.50% · 4.625%
HK$45,635
+HK$2,617/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$86,036/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,033
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,240
−HK$1,226/mo
Today · 4.125%
HK$47,466
baseline
▲ 0.50% · 4.625%
HK$49,968
+HK$2,502/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$94,932/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,223 · 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).