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$22,481
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,180
−HK$711/mo
Today · 4.125%
HK$23,891
baseline
▲ 0.50% · 4.625%
HK$25,344
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,782/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,010
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,680
−HK$681/mo
Today · 4.125%
HK$26,361
baseline
▲ 0.50% · 4.625%
HK$27,750
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,722/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,977
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,816
−HK$853/mo
Today · 4.125%
HK$28,669
baseline
▲ 0.50% · 4.625%
HK$30,413
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,338/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,012
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,816
−HK$817/mo
Today · 4.125%
HK$31,633
baseline
▲ 0.50% · 4.625%
HK$33,300
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,266/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,473
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,452
−HK$995/mo
Today · 4.125%
HK$33,447
baseline
▲ 0.50% · 4.625%
HK$35,482
+HK$2,035/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,894/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,014
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,953
−HK$952/mo
Today · 4.125%
HK$36,905
baseline
▲ 0.50% · 4.625%
HK$38,851
+HK$1,946/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,810/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,465
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,724
−HK$1,279/mo
Today · 4.125%
HK$43,003
baseline
▲ 0.50% · 4.625%
HK$45,620
+HK$2,617/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$86,006/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,017
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,225
−HK$1,225/mo
Today · 4.125%
HK$47,450
baseline
▲ 0.50% · 4.625%
HK$49,951
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,900/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,889 · 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).