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$25,266
+HK$1,449/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$352,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,933
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,601
−HK$679/mo
Today · 4.125%
HK$26,280
baseline
▲ 0.50% · 4.625%
HK$27,665
+HK$1,385/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$352,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,894
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,730
−HK$850/mo
Today · 4.125%
HK$28,580
baseline
▲ 0.50% · 4.625%
HK$30,319
+HK$1,739/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,160/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,919
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,722
−HK$814/mo
Today · 4.125%
HK$31,536
baseline
▲ 0.50% · 4.625%
HK$33,198
+HK$1,662/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$352,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,376
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,352
−HK$992/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$352,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,906
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,842
−HK$950/mo
Today · 4.125%
HK$36,792
baseline
▲ 0.50% · 4.625%
HK$38,731
+HK$1,939/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$352,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,341
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,596
−HK$1,275/mo
Today · 4.125%
HK$42,871
baseline
▲ 0.50% · 4.625%
HK$45,479
+HK$2,608/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$352,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,879
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,082
−HK$1,221/mo
Today · 4.125%
HK$47,303
baseline
▲ 0.50% · 4.625%
HK$49,797
+HK$2,494/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,606/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,855 · 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).