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$22,499
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,199
−HK$711/mo
Today · 4.125%
HK$23,910
baseline
▲ 0.50% · 4.625%
HK$25,365
+HK$1,455/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,820/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,030
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,701
−HK$681/mo
Today · 4.125%
HK$26,382
baseline
▲ 0.50% · 4.625%
HK$27,773
+HK$1,391/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,764/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,999
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,839
−HK$853/mo
Today · 4.125%
HK$28,692
baseline
▲ 0.50% · 4.625%
HK$30,438
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,384/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,036
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,842
−HK$817/mo
Today · 4.125%
HK$31,659
baseline
▲ 0.50% · 4.625%
HK$33,328
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,318/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,499
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,479
−HK$995/mo
Today · 4.125%
HK$33,474
baseline
▲ 0.50% · 4.625%
HK$35,511
+HK$2,037/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,948/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,042
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,982
−HK$953/mo
Today · 4.125%
HK$36,935
baseline
▲ 0.50% · 4.625%
HK$38,882
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,870/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,498
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,758
−HK$1,280/mo
Today · 4.125%
HK$43,038
baseline
▲ 0.50% · 4.625%
HK$45,657
+HK$2,619/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,076/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,054
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,262
−HK$1,226/mo
Today · 4.125%
HK$47,488
baseline
▲ 0.50% · 4.625%
HK$49,991
+HK$2,503/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$94,976/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,693 · 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).