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$22,370
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,066
−HK$707/mo
Today · 4.125%
HK$23,773
baseline
▲ 0.50% · 4.625%
HK$25,219
+HK$1,446/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,546/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,886
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,554
−HK$677/mo
Today · 4.125%
HK$26,231
baseline
▲ 0.50% · 4.625%
HK$27,614
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,462/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,844
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,679
−HK$848/mo
Today · 4.125%
HK$28,527
baseline
▲ 0.50% · 4.625%
HK$30,263
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$57,054/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,864
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,665
−HK$812/mo
Today · 4.125%
HK$31,477
baseline
▲ 0.50% · 4.625%
HK$33,136
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$62,954/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,318
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,292
−HK$990/mo
Today · 4.125%
HK$33,282
baseline
▲ 0.50% · 4.625%
HK$35,307
+HK$2,025/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,564/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,841
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,776
−HK$947/mo
Today · 4.125%
HK$36,723
baseline
▲ 0.50% · 4.625%
HK$38,659
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,446/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,266
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,519
−HK$1,272/mo
Today · 4.125%
HK$42,791
baseline
▲ 0.50% · 4.625%
HK$45,395
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,582/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,796
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,997
−HK$1,219/mo
Today · 4.125%
HK$47,216
baseline
▲ 0.50% · 4.625%
HK$49,705
+HK$2,489/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,432/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,034 · 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).