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$22,400
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,097
−HK$708/mo
Today · 4.125%
HK$23,805
baseline
▲ 0.50% · 4.625%
HK$25,253
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,610/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,920
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,588
−HK$678/mo
Today · 4.125%
HK$26,266
baseline
▲ 0.50% · 4.625%
HK$27,651
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,532/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,880
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,716
−HK$850/mo
Today · 4.125%
HK$28,566
baseline
▲ 0.50% · 4.625%
HK$30,304
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,132/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,904
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,706
−HK$814/mo
Today · 4.125%
HK$31,520
baseline
▲ 0.50% · 4.625%
HK$33,181
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,040/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,360
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,336
−HK$991/mo
Today · 4.125%
HK$33,327
baseline
▲ 0.50% · 4.625%
HK$35,355
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,654/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,888
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,824
−HK$949/mo
Today · 4.125%
HK$36,773
baseline
▲ 0.50% · 4.625%
HK$38,711
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,546/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,320
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,575
−HK$1,274/mo
Today · 4.125%
HK$42,849
baseline
▲ 0.50% · 4.625%
HK$45,456
+HK$2,607/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,698/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,856
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,059
−HK$1,220/mo
Today · 4.125%
HK$47,279
baseline
▲ 0.50% · 4.625%
HK$49,772
+HK$2,493/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,558/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,355 · 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).