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$22,402
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,099
−HK$708/mo
Today · 4.125%
HK$23,807
baseline
▲ 0.50% · 4.625%
HK$25,255
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,614/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,922
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,590
−HK$678/mo
Today · 4.125%
HK$26,268
baseline
▲ 0.50% · 4.625%
HK$27,653
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,536/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,882
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,719
−HK$849/mo
Today · 4.125%
HK$28,568
baseline
▲ 0.50% · 4.625%
HK$30,306
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,136/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,906
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,708
−HK$814/mo
Today · 4.125%
HK$31,522
baseline
▲ 0.50% · 4.625%
HK$33,184
+HK$1,662/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,044/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,363
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,338
−HK$991/mo
Today · 4.125%
HK$33,329
baseline
▲ 0.50% · 4.625%
HK$35,357
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,658/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,891
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,826
−HK$950/mo
Today · 4.125%
HK$36,776
baseline
▲ 0.50% · 4.625%
HK$38,714
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,552/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,323
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,578
−HK$1,274/mo
Today · 4.125%
HK$42,852
baseline
▲ 0.50% · 4.625%
HK$45,460
+HK$2,608/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,704/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,859
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,063
−HK$1,220/mo
Today · 4.125%
HK$47,283
baseline
▲ 0.50% · 4.625%
HK$49,775
+HK$2,492/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,566/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,431 · 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).