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$22,480
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,179
−HK$711/mo
Today · 4.125%
HK$23,890
baseline
▲ 0.50% · 4.625%
HK$25,343
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,780/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,009
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,679
−HK$681/mo
Today · 4.125%
HK$26,360
baseline
▲ 0.50% · 4.625%
HK$27,749
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,720/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,976
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,815
−HK$852/mo
Today · 4.125%
HK$28,667
baseline
▲ 0.50% · 4.625%
HK$30,412
+HK$1,745/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,334/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,010
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,815
−HK$817/mo
Today · 4.125%
HK$31,632
baseline
▲ 0.50% · 4.625%
HK$33,299
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,264/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,472
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,451
−HK$994/mo
Today · 4.125%
HK$33,445
baseline
▲ 0.50% · 4.625%
HK$35,480
+HK$2,035/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,890/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,012
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,951
−HK$953/mo
Today · 4.125%
HK$36,904
baseline
▲ 0.50% · 4.625%
HK$38,849
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,808/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,464
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,722
−HK$1,279/mo
Today · 4.125%
HK$43,001
baseline
▲ 0.50% · 4.625%
HK$45,618
+HK$2,617/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$86,002/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,016
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,223
−HK$1,225/mo
Today · 4.125%
HK$47,448
baseline
▲ 0.50% · 4.625%
HK$49,949
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,896/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,849 · 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).