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$1,411/mo
▼ 0.25% · 3.875%
HK$23,193
−HK$711/mo
Today · 4.125%
HK$23,904
baseline
▲ 0.50% · 4.625%
HK$25,358
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,808/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,023
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,695
−HK$680/mo
Today · 4.125%
HK$26,375
baseline
▲ 0.50% · 4.625%
HK$27,766
+HK$1,391/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$356,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,992
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,831
−HK$853/mo
Today · 4.125%
HK$28,684
baseline
▲ 0.50% · 4.625%
HK$30,430
+HK$1,746/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$356,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,028
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,833
−HK$817/mo
Today · 4.125%
HK$31,650
baseline
▲ 0.50% · 4.625%
HK$33,319
+HK$1,669/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$356,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,490
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,470
−HK$995/mo
Today · 4.125%
HK$33,465
baseline
▲ 0.50% · 4.625%
HK$35,501
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,930/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,033
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,972
−HK$954/mo
Today · 4.125%
HK$36,926
baseline
▲ 0.50% · 4.625%
HK$38,872
+HK$1,946/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,852/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,488
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,747
−HK$1,280/mo
Today · 4.125%
HK$43,027
baseline
▲ 0.50% · 4.625%
HK$45,645
+HK$2,618/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$86,054/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,042
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,250
−HK$1,226/mo
Today · 4.125%
HK$47,476
baseline
▲ 0.50% · 4.625%
HK$49,978
+HK$2,502/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$94,952/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,433 · 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).