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$22,380
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,076
−HK$707/mo
Today · 4.125%
HK$23,783
baseline
▲ 0.50% · 4.625%
HK$25,230
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,566/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,897
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,565
−HK$677/mo
Today · 4.125%
HK$26,242
baseline
▲ 0.50% · 4.625%
HK$27,626
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,484/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,856
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,691
−HK$849/mo
Today · 4.125%
HK$28,540
baseline
▲ 0.50% · 4.625%
HK$30,276
+HK$1,736/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,080/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,877
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,678
−HK$813/mo
Today · 4.125%
HK$31,491
baseline
▲ 0.50% · 4.625%
HK$33,151
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$62,982/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,332
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,306
−HK$990/mo
Today · 4.125%
HK$33,296
baseline
▲ 0.50% · 4.625%
HK$35,322
+HK$2,026/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,592/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,856
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,791
−HK$948/mo
Today · 4.125%
HK$36,739
baseline
▲ 0.50% · 4.625%
HK$38,676
+HK$1,937/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,478/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,284
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,537
−HK$1,273/mo
Today · 4.125%
HK$42,810
baseline
▲ 0.50% · 4.625%
HK$45,415
+HK$2,605/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,620/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,815
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,017
−HK$1,219/mo
Today · 4.125%
HK$47,236
baseline
▲ 0.50% · 4.625%
HK$49,726
+HK$2,490/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,472/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,460 · 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).