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$22,495
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,195
−HK$711/mo
Today · 4.125%
HK$23,906
baseline
▲ 0.50% · 4.625%
HK$25,361
+HK$1,455/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,812/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,026
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,697
−HK$681/mo
Today · 4.125%
HK$26,378
baseline
▲ 0.50% · 4.625%
HK$27,768
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,756/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,994
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,834
−HK$853/mo
Today · 4.125%
HK$28,687
baseline
▲ 0.50% · 4.625%
HK$30,433
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,374/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,031
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,836
−HK$818/mo
Today · 4.125%
HK$31,654
baseline
▲ 0.50% · 4.625%
HK$33,322
+HK$1,668/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,308/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,494
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,473
−HK$995/mo
Today · 4.125%
HK$33,468
baseline
▲ 0.50% · 4.625%
HK$35,505
+HK$2,037/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,936/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,036
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,976
−HK$953/mo
Today · 4.125%
HK$36,929
baseline
▲ 0.50% · 4.625%
HK$38,876
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,858/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,492
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,751
−HK$1,280/mo
Today · 4.125%
HK$43,031
baseline
▲ 0.50% · 4.625%
HK$45,649
+HK$2,618/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,062/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,047
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,255
−HK$1,225/mo
Today · 4.125%
HK$47,480
baseline
▲ 0.50% · 4.625%
HK$49,983
+HK$2,503/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$94,960/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,529 · 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).