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$22,488
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,187
−HK$711/mo
Today · 4.125%
HK$23,898
baseline
▲ 0.50% · 4.625%
HK$25,352
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,796/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,017
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,688
−HK$681/mo
Today · 4.125%
HK$26,369
baseline
▲ 0.50% · 4.625%
HK$27,759
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,738/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,985
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,825
−HK$853/mo
Today · 4.125%
HK$28,678
baseline
▲ 0.50% · 4.625%
HK$30,423
+HK$1,745/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,356/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,021
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,826
−HK$817/mo
Today · 4.125%
HK$31,643
baseline
▲ 0.50% · 4.625%
HK$33,311
+HK$1,668/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,286/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,483
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,462
−HK$995/mo
Today · 4.125%
HK$33,457
baseline
▲ 0.50% · 4.625%
HK$35,493
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,914/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$356,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,024
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,964
−HK$953/mo
Today · 4.125%
HK$36,917
baseline
▲ 0.50% · 4.625%
HK$38,863
+HK$1,946/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,834/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$356,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,478
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,737
−HK$1,279/mo
Today · 4.125%
HK$43,016
baseline
▲ 0.50% · 4.625%
HK$45,634
+HK$2,618/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$86,032/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,031
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,239
−HK$1,225/mo
Today · 4.125%
HK$47,464
baseline
▲ 0.50% · 4.625%
HK$49,966
+HK$2,502/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$94,928/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,196 · 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).