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$22,412
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,109
−HK$709/mo
Today · 4.125%
HK$23,818
baseline
▲ 0.50% · 4.625%
HK$25,267
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,636/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,933
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,602
−HK$679/mo
Today · 4.125%
HK$26,281
baseline
▲ 0.50% · 4.625%
HK$27,666
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,562/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,895
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,731
−HK$850/mo
Today · 4.125%
HK$28,581
baseline
▲ 0.50% · 4.625%
HK$30,320
+HK$1,739/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,162/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,920
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,723
−HK$814/mo
Today · 4.125%
HK$31,537
baseline
▲ 0.50% · 4.625%
HK$33,199
+HK$1,662/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,074/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,377
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,353
−HK$992/mo
Today · 4.125%
HK$33,345
baseline
▲ 0.50% · 4.625%
HK$35,374
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,690/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,907
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,843
−HK$950/mo
Today · 4.125%
HK$36,793
baseline
▲ 0.50% · 4.625%
HK$38,732
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,586/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,342
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,597
−HK$1,275/mo
Today · 4.125%
HK$42,872
baseline
▲ 0.50% · 4.625%
HK$45,481
+HK$2,609/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,744/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,880
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,084
−HK$1,221/mo
Today · 4.125%
HK$47,305
baseline
▲ 0.50% · 4.625%
HK$49,799
+HK$2,494/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,610/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,887 · 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).