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$22,476
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,175
−HK$711/mo
Today · 4.125%
HK$23,886
baseline
▲ 0.50% · 4.625%
HK$25,339
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,772/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,004
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,675
−HK$680/mo
Today · 4.125%
HK$26,355
baseline
▲ 0.50% · 4.625%
HK$27,745
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,710/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,971
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,810
−HK$853/mo
Today · 4.125%
HK$28,663
baseline
▲ 0.50% · 4.625%
HK$30,407
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,326/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,005
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,810
−HK$816/mo
Today · 4.125%
HK$31,626
baseline
▲ 0.50% · 4.625%
HK$33,293
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,252/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,466
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,445
−HK$995/mo
Today · 4.125%
HK$33,440
baseline
▲ 0.50% · 4.625%
HK$35,474
+HK$2,034/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,880/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,006
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,945
−HK$952/mo
Today · 4.125%
HK$36,897
baseline
▲ 0.50% · 4.625%
HK$38,842
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,794/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,457
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,715
−HK$1,279/mo
Today · 4.125%
HK$42,994
baseline
▲ 0.50% · 4.625%
HK$45,610
+HK$2,616/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$85,988/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,008
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,215
−HK$1,225/mo
Today · 4.125%
HK$47,440
baseline
▲ 0.50% · 4.625%
HK$49,940
+HK$2,500/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,880/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,682 · 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).