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$22,505
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,205
−HK$711/mo
Today · 4.125%
HK$23,916
baseline
▲ 0.50% · 4.625%
HK$25,372
+HK$1,456/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,832/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,037
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,708
−HK$681/mo
Today · 4.125%
HK$26,389
baseline
▲ 0.50% · 4.625%
HK$27,781
+HK$1,392/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,778/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,006
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,846
−HK$854/mo
Today · 4.125%
HK$28,700
baseline
▲ 0.50% · 4.625%
HK$30,446
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,400/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,044
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,850
−HK$817/mo
Today · 4.125%
HK$31,667
baseline
▲ 0.50% · 4.625%
HK$33,337
+HK$1,670/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,334/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,507
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,487
−HK$996/mo
Today · 4.125%
HK$33,483
baseline
▲ 0.50% · 4.625%
HK$35,520
+HK$2,037/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,966/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,052
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,992
−HK$953/mo
Today · 4.125%
HK$36,945
baseline
▲ 0.50% · 4.625%
HK$38,893
+HK$1,948/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,890/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,509
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,769
−HK$1,281/mo
Today · 4.125%
HK$43,050
baseline
▲ 0.50% · 4.625%
HK$45,669
+HK$2,619/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,100/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,066
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,275
−HK$1,226/mo
Today · 4.125%
HK$47,501
baseline
▲ 0.50% · 4.625%
HK$50,005
+HK$2,504/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$95,002/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,960 · 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).