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$22,393
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,090
−HK$707/mo
Today · 4.125%
HK$23,797
baseline
▲ 0.50% · 4.625%
HK$25,245
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,594/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,912
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,580
−HK$678/mo
Today · 4.125%
HK$26,258
baseline
▲ 0.50% · 4.625%
HK$27,642
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,516/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,872
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,708
−HK$849/mo
Today · 4.125%
HK$28,557
baseline
▲ 0.50% · 4.625%
HK$30,295
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,114/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,895
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,696
−HK$814/mo
Today · 4.125%
HK$31,510
baseline
▲ 0.50% · 4.625%
HK$33,171
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,020/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,350
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,326
−HK$990/mo
Today · 4.125%
HK$33,316
baseline
▲ 0.50% · 4.625%
HK$35,344
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,632/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,877
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,812
−HK$949/mo
Today · 4.125%
HK$36,761
baseline
▲ 0.50% · 4.625%
HK$38,699
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,522/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,308
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,561
−HK$1,274/mo
Today · 4.125%
HK$42,835
baseline
▲ 0.50% · 4.625%
HK$45,442
+HK$2,607/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,670/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,842
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,045
−HK$1,220/mo
Today · 4.125%
HK$47,265
baseline
▲ 0.50% · 4.625%
HK$49,756
+HK$2,491/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,530/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,046 · 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).