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$22,495
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,195
−HK$710/mo
Today · 4.125%
HK$23,905
baseline
▲ 0.50% · 4.625%
HK$25,360
+HK$1,455/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,810/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,025
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,696
−HK$681/mo
Today · 4.125%
HK$26,377
baseline
▲ 0.50% · 4.625%
HK$27,768
+HK$1,391/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,754/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,994
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,833
−HK$854/mo
Today · 4.125%
HK$28,687
baseline
▲ 0.50% · 4.625%
HK$30,432
+HK$1,745/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,374/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,030
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,836
−HK$817/mo
Today · 4.125%
HK$31,653
baseline
▲ 0.50% · 4.625%
HK$33,321
+HK$1,668/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,306/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,493
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,472
−HK$996/mo
Today · 4.125%
HK$33,468
baseline
▲ 0.50% · 4.625%
HK$35,504
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,936/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,035
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,975
−HK$953/mo
Today · 4.125%
HK$36,928
baseline
▲ 0.50% · 4.625%
HK$38,875
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,856/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,491
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,750
−HK$1,280/mo
Today · 4.125%
HK$43,030
baseline
▲ 0.50% · 4.625%
HK$45,648
+HK$2,618/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,060/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,045
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,254
−HK$1,225/mo
Today · 4.125%
HK$47,479
baseline
▲ 0.50% · 4.625%
HK$49,982
+HK$2,503/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$94,958/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,503 · 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).