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$22,503
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,203
−HK$711/mo
Today · 4.125%
HK$23,914
baseline
▲ 0.50% · 4.625%
HK$25,369
+HK$1,455/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,828/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,034
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,706
−HK$681/mo
Today · 4.125%
HK$26,387
baseline
▲ 0.50% · 4.625%
HK$27,778
+HK$1,391/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,774/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,004
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,844
−HK$853/mo
Today · 4.125%
HK$28,697
baseline
▲ 0.50% · 4.625%
HK$30,443
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,394/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,041
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,847
−HK$817/mo
Today · 4.125%
HK$31,664
baseline
▲ 0.50% · 4.625%
HK$33,333
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,328/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,504
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,484
−HK$996/mo
Today · 4.125%
HK$33,480
baseline
▲ 0.50% · 4.625%
HK$35,517
+HK$2,037/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,960/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,048
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,988
−HK$954/mo
Today · 4.125%
HK$36,942
baseline
▲ 0.50% · 4.625%
HK$38,889
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,884/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,505
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,765
−HK$1,280/mo
Today · 4.125%
HK$43,045
baseline
▲ 0.50% · 4.625%
HK$45,665
+HK$2,620/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,090/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,062
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,270
−HK$1,226/mo
Today · 4.125%
HK$47,496
baseline
▲ 0.50% · 4.625%
HK$50,000
+HK$2,504/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$94,992/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,861 · 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).