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$22,478
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,177
−HK$710/mo
Today · 4.125%
HK$23,887
baseline
▲ 0.50% · 4.625%
HK$25,341
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,774/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,006
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,677
−HK$680/mo
Today · 4.125%
HK$26,357
baseline
▲ 0.50% · 4.625%
HK$27,747
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,714/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,973
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,812
−HK$853/mo
Today · 4.125%
HK$28,665
baseline
▲ 0.50% · 4.625%
HK$30,409
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,330/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,007
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,812
−HK$817/mo
Today · 4.125%
HK$31,629
baseline
▲ 0.50% · 4.625%
HK$33,296
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,258/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,469
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,448
−HK$994/mo
Today · 4.125%
HK$33,442
baseline
▲ 0.50% · 4.625%
HK$35,477
+HK$2,035/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,884/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,009
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,948
−HK$952/mo
Today · 4.125%
HK$36,900
baseline
▲ 0.50% · 4.625%
HK$38,845
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,800/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,460
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,718
−HK$1,279/mo
Today · 4.125%
HK$42,997
baseline
▲ 0.50% · 4.625%
HK$45,613
+HK$2,616/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$85,994/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,754 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,011
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,218
−HK$1,225/mo
Today · 4.125%
HK$47,443
baseline
▲ 0.50% · 4.625%
HK$49,944
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,886/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,754 · 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).