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$22,493
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,192
−HK$711/mo
Today · 4.125%
HK$23,903
baseline
▲ 0.50% · 4.625%
HK$25,357
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,806/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,023
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,694
−HK$681/mo
Today · 4.125%
HK$26,375
baseline
▲ 0.50% · 4.625%
HK$27,765
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,750/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,991
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,831
−HK$853/mo
Today · 4.125%
HK$28,684
baseline
▲ 0.50% · 4.625%
HK$30,429
+HK$1,745/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,368/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,027
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,833
−HK$817/mo
Today · 4.125%
HK$31,650
baseline
▲ 0.50% · 4.625%
HK$33,318
+HK$1,668/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,300/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,490
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,469
−HK$995/mo
Today · 4.125%
HK$33,464
baseline
▲ 0.50% · 4.625%
HK$35,500
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,928/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,032
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,971
−HK$953/mo
Today · 4.125%
HK$36,924
baseline
▲ 0.50% · 4.625%
HK$38,871
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,848/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,487
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,746
−HK$1,279/mo
Today · 4.125%
HK$43,025
baseline
▲ 0.50% · 4.625%
HK$45,643
+HK$2,618/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$86,050/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,041
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,249
−HK$1,225/mo
Today · 4.125%
HK$47,474
baseline
▲ 0.50% · 4.625%
HK$49,977
+HK$2,503/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$94,948/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,405 · 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).