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$22,479
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,179
−HK$710/mo
Today · 4.125%
HK$23,889
baseline
▲ 0.50% · 4.625%
HK$25,343
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,778/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,008
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,679
−HK$680/mo
Today · 4.125%
HK$26,359
baseline
▲ 0.50% · 4.625%
HK$27,749
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,718/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,975
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,814
−HK$853/mo
Today · 4.125%
HK$28,667
baseline
▲ 0.50% · 4.625%
HK$30,411
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,334/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,010
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,815
−HK$816/mo
Today · 4.125%
HK$31,631
baseline
▲ 0.50% · 4.625%
HK$33,298
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,262/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,471
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,450
−HK$995/mo
Today · 4.125%
HK$33,445
baseline
▲ 0.50% · 4.625%
HK$35,480
+HK$2,035/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,890/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,011
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,950
−HK$953/mo
Today · 4.125%
HK$36,903
baseline
▲ 0.50% · 4.625%
HK$38,848
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,806/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,463
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,722
−HK$1,278/mo
Today · 4.125%
HK$43,000
baseline
▲ 0.50% · 4.625%
HK$45,617
+HK$2,617/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$86,000/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,015
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,222
−HK$1,225/mo
Today · 4.125%
HK$47,447
baseline
▲ 0.50% · 4.625%
HK$49,948
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,894/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,828 · 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).