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$22,396
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,093
−HK$707/mo
Today · 4.125%
HK$23,800
baseline
▲ 0.50% · 4.625%
HK$25,249
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,600/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,915
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,584
−HK$677/mo
Today · 4.125%
HK$26,261
baseline
▲ 0.50% · 4.625%
HK$27,646
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,522/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,875
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,711
−HK$850/mo
Today · 4.125%
HK$28,561
baseline
▲ 0.50% · 4.625%
HK$30,298
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,122/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,898
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,700
−HK$814/mo
Today · 4.125%
HK$31,514
baseline
▲ 0.50% · 4.625%
HK$33,175
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,028/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,354
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,330
−HK$991/mo
Today · 4.125%
HK$33,321
baseline
▲ 0.50% · 4.625%
HK$35,348
+HK$2,027/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,642/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,882
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,817
−HK$949/mo
Today · 4.125%
HK$36,766
baseline
▲ 0.50% · 4.625%
HK$38,704
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,532/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,313
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,567
−HK$1,274/mo
Today · 4.125%
HK$42,841
baseline
▲ 0.50% · 4.625%
HK$45,448
+HK$2,607/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,682/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,848
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,050
−HK$1,221/mo
Today · 4.125%
HK$47,271
baseline
▲ 0.50% · 4.625%
HK$49,762
+HK$2,491/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,542/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,173 · 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).