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$22,387
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,084
−HK$707/mo
Today · 4.125%
HK$23,791
baseline
▲ 0.50% · 4.625%
HK$25,239
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,582/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,905
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,573
−HK$678/mo
Today · 4.125%
HK$26,251
baseline
▲ 0.50% · 4.625%
HK$27,635
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,502/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,865
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,700
−HK$849/mo
Today · 4.125%
HK$28,549
baseline
▲ 0.50% · 4.625%
HK$30,286
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,098/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,887
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,688
−HK$813/mo
Today · 4.125%
HK$31,501
baseline
▲ 0.50% · 4.625%
HK$33,162
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,002/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,342
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,317
−HK$990/mo
Today · 4.125%
HK$33,307
baseline
▲ 0.50% · 4.625%
HK$35,334
+HK$2,027/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,614/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,868
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,803
−HK$948/mo
Today · 4.125%
HK$36,751
baseline
▲ 0.50% · 4.625%
HK$38,689
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,502/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,297
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,550
−HK$1,274/mo
Today · 4.125%
HK$42,824
baseline
▲ 0.50% · 4.625%
HK$45,430
+HK$2,606/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,648/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,830
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,032
−HK$1,220/mo
Today · 4.125%
HK$47,252
baseline
▲ 0.50% · 4.625%
HK$49,743
+HK$2,491/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,504/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,783 · 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).