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$22,484
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,184
−HK$710/mo
Today · 4.125%
HK$23,894
baseline
▲ 0.50% · 4.625%
HK$25,348
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,788/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,014
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,685
−HK$680/mo
Today · 4.125%
HK$26,365
baseline
▲ 0.50% · 4.625%
HK$27,755
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,730/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,981
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,821
−HK$852/mo
Today · 4.125%
HK$28,673
baseline
▲ 0.50% · 4.625%
HK$30,418
+HK$1,745/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,346/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,016
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,821
−HK$817/mo
Today · 4.125%
HK$31,638
baseline
▲ 0.50% · 4.625%
HK$33,306
+HK$1,668/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,276/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,478
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,457
−HK$995/mo
Today · 4.125%
HK$33,452
baseline
▲ 0.50% · 4.625%
HK$35,488
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,904/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$356,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,019
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,958
−HK$953/mo
Today · 4.125%
HK$36,911
baseline
▲ 0.50% · 4.625%
HK$38,857
+HK$1,946/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,822/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$356,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,472
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,731
−HK$1,279/mo
Today · 4.125%
HK$43,010
baseline
▲ 0.50% · 4.625%
HK$45,627
+HK$2,617/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$86,020/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,025
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,232
−HK$1,225/mo
Today · 4.125%
HK$47,457
baseline
▲ 0.50% · 4.625%
HK$49,959
+HK$2,502/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,914/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,049 · 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).