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$22,387
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,084
−HK$707/mo
Today · 4.125%
HK$23,791
baseline
▲ 0.50% · 4.625%
HK$25,239
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,582/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,906
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,574
−HK$677/mo
Today · 4.125%
HK$26,251
baseline
▲ 0.50% · 4.625%
HK$27,635
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,502/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,865
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,700
−HK$849/mo
Today · 4.125%
HK$28,549
baseline
▲ 0.50% · 4.625%
HK$30,287
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,098/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,887
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,688
−HK$813/mo
Today · 4.125%
HK$31,501
baseline
▲ 0.50% · 4.625%
HK$33,162
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,002/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,342
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,317
−HK$991/mo
Today · 4.125%
HK$33,308
baseline
▲ 0.50% · 4.625%
HK$35,334
+HK$2,026/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,616/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,868
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,803
−HK$949/mo
Today · 4.125%
HK$36,752
baseline
▲ 0.50% · 4.625%
HK$38,689
+HK$1,937/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,504/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,297
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,551
−HK$1,273/mo
Today · 4.125%
HK$42,824
baseline
▲ 0.50% · 4.625%
HK$45,430
+HK$2,606/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,648/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,830
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,032
−HK$1,220/mo
Today · 4.125%
HK$47,252
baseline
▲ 0.50% · 4.625%
HK$49,743
+HK$2,491/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,504/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,788 · 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).