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$22,490
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,190
−HK$710/mo
Today · 4.125%
HK$23,900
baseline
▲ 0.50% · 4.625%
HK$25,355
+HK$1,455/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,800/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,020
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,691
−HK$681/mo
Today · 4.125%
HK$26,372
baseline
▲ 0.50% · 4.625%
HK$27,762
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,744/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,988
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,828
−HK$852/mo
Today · 4.125%
HK$28,680
baseline
▲ 0.50% · 4.625%
HK$30,426
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,360/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,024
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,829
−HK$817/mo
Today · 4.125%
HK$31,646
baseline
▲ 0.50% · 4.625%
HK$33,314
+HK$1,668/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,292/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,486
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,465
−HK$995/mo
Today · 4.125%
HK$33,460
baseline
▲ 0.50% · 4.625%
HK$35,496
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,920/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,028
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,967
−HK$953/mo
Today · 4.125%
HK$36,920
baseline
▲ 0.50% · 4.625%
HK$38,866
+HK$1,946/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,840/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,482
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,741
−HK$1,280/mo
Today · 4.125%
HK$43,021
baseline
▲ 0.50% · 4.625%
HK$45,638
+HK$2,617/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$86,042/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,036
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,244
−HK$1,225/mo
Today · 4.125%
HK$47,469
baseline
▲ 0.50% · 4.625%
HK$49,971
+HK$2,502/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$94,938/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,294 · 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).