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$25,364
+HK$1,454/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$356,675 · 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$27,772
+HK$1,390/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$356,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,998
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,838
−HK$854/mo
Today · 4.125%
HK$28,692
baseline
▲ 0.50% · 4.625%
HK$30,437
+HK$1,745/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$356,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,036
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,841
−HK$817/mo
Today · 4.125%
HK$31,658
baseline
▲ 0.50% · 4.625%
HK$33,327
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,316/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,498
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,478
−HK$995/mo
Today · 4.125%
HK$33,473
baseline
▲ 0.50% · 4.625%
HK$35,510
+HK$2,037/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,946/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,041
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,981
−HK$954/mo
Today · 4.125%
HK$36,935
baseline
▲ 0.50% · 4.625%
HK$38,881
+HK$1,946/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$356,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,498
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,757
−HK$1,280/mo
Today · 4.125%
HK$43,037
baseline
▲ 0.50% · 4.625%
HK$45,656
+HK$2,619/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,074/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,053
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,262
−HK$1,225/mo
Today · 4.125%
HK$47,487
baseline
▲ 0.50% · 4.625%
HK$49,990
+HK$2,503/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$94,974/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,675 · 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).