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$22,481
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,180
−HK$710/mo
Today · 4.125%
HK$23,890
baseline
▲ 0.50% · 4.625%
HK$25,344
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,780/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,009
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,680
−HK$681/mo
Today · 4.125%
HK$26,361
baseline
▲ 0.50% · 4.625%
HK$27,750
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,722/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,977
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,816
−HK$852/mo
Today · 4.125%
HK$28,668
baseline
▲ 0.50% · 4.625%
HK$30,413
+HK$1,745/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,336/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,011
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,816
−HK$817/mo
Today · 4.125%
HK$31,633
baseline
▲ 0.50% · 4.625%
HK$33,300
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,266/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,473
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,452
−HK$994/mo
Today · 4.125%
HK$33,446
baseline
▲ 0.50% · 4.625%
HK$35,482
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,892/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,013
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,952
−HK$953/mo
Today · 4.125%
HK$36,905
baseline
▲ 0.50% · 4.625%
HK$38,850
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,810/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,465
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,724
−HK$1,279/mo
Today · 4.125%
HK$43,003
baseline
▲ 0.50% · 4.625%
HK$45,619
+HK$2,616/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$86,006/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,017
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,224
−HK$1,225/mo
Today · 4.125%
HK$47,449
baseline
▲ 0.50% · 4.625%
HK$49,950
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,898/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,881 · 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).