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$22,375
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,071
−HK$707/mo
Today · 4.125%
HK$23,778
baseline
▲ 0.50% · 4.625%
HK$25,225
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,556/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,892
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,560
−HK$677/mo
Today · 4.125%
HK$26,237
baseline
▲ 0.50% · 4.625%
HK$27,620
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,474/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,850
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,686
−HK$848/mo
Today · 4.125%
HK$28,534
baseline
▲ 0.50% · 4.625%
HK$30,270
+HK$1,736/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,068/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,871
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,672
−HK$813/mo
Today · 4.125%
HK$31,485
baseline
▲ 0.50% · 4.625%
HK$33,144
+HK$1,659/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$62,970/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,325
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,300
−HK$990/mo
Today · 4.125%
HK$33,290
baseline
▲ 0.50% · 4.625%
HK$35,315
+HK$2,025/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,580/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,849
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,784
−HK$948/mo
Today · 4.125%
HK$36,732
baseline
▲ 0.50% · 4.625%
HK$38,668
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,464/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,276
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,528
−HK$1,273/mo
Today · 4.125%
HK$42,801
baseline
▲ 0.50% · 4.625%
HK$45,406
+HK$2,605/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,602/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,265 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,806
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,008
−HK$1,219/mo
Today · 4.125%
HK$47,227
baseline
▲ 0.50% · 4.625%
HK$49,716
+HK$2,489/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,454/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,265 · 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).