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$22,410
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,107
−HK$708/mo
Today · 4.125%
HK$23,815
baseline
▲ 0.50% · 4.625%
HK$25,264
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,630/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,931
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,599
−HK$678/mo
Today · 4.125%
HK$26,277
baseline
▲ 0.50% · 4.625%
HK$27,663
+HK$1,386/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,554/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,892
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,728
−HK$850/mo
Today · 4.125%
HK$28,578
baseline
▲ 0.50% · 4.625%
HK$30,317
+HK$1,739/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,156/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,917
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,719
−HK$814/mo
Today · 4.125%
HK$31,533
baseline
▲ 0.50% · 4.625%
HK$33,195
+HK$1,662/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,066/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,374
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,349
−HK$992/mo
Today · 4.125%
HK$33,341
baseline
▲ 0.50% · 4.625%
HK$35,370
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,682/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,903
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,839
−HK$949/mo
Today · 4.125%
HK$36,788
baseline
▲ 0.50% · 4.625%
HK$38,728
+HK$1,940/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,576/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,337
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,592
−HK$1,275/mo
Today · 4.125%
HK$42,867
baseline
▲ 0.50% · 4.625%
HK$45,475
+HK$2,608/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$85,734/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,875
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,079
−HK$1,220/mo
Today · 4.125%
HK$47,299
baseline
▲ 0.50% · 4.625%
HK$49,793
+HK$2,494/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$94,598/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,771 · 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).