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$22,483
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,182
−HK$711/mo
Today · 4.125%
HK$23,893
baseline
▲ 0.50% · 4.625%
HK$25,347
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,786/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,012
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,683
−HK$680/mo
Today · 4.125%
HK$26,363
baseline
▲ 0.50% · 4.625%
HK$27,753
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,726/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,979
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,819
−HK$852/mo
Today · 4.125%
HK$28,671
baseline
▲ 0.50% · 4.625%
HK$30,416
+HK$1,745/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,342/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,014
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,819
−HK$817/mo
Today · 4.125%
HK$31,636
baseline
▲ 0.50% · 4.625%
HK$33,304
+HK$1,668/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,272/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,476
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,455
−HK$995/mo
Today · 4.125%
HK$33,450
baseline
▲ 0.50% · 4.625%
HK$35,485
+HK$2,035/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,900/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,017
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,956
−HK$953/mo
Today · 4.125%
HK$36,909
baseline
▲ 0.50% · 4.625%
HK$38,854
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,818/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,469
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,728
−HK$1,279/mo
Today · 4.125%
HK$43,007
baseline
▲ 0.50% · 4.625%
HK$45,624
+HK$2,617/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$86,014/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,022
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,229
−HK$1,225/mo
Today · 4.125%
HK$47,454
baseline
▲ 0.50% · 4.625%
HK$49,955
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,908/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,980 · 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).