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$22,391
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,088
−HK$707/mo
Today · 4.125%
HK$23,795
baseline
▲ 0.50% · 4.625%
HK$25,243
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,590/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,910
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,578
−HK$678/mo
Today · 4.125%
HK$26,256
baseline
▲ 0.50% · 4.625%
HK$27,640
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,512/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,869
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,705
−HK$849/mo
Today · 4.125%
HK$28,554
baseline
▲ 0.50% · 4.625%
HK$30,292
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,108/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,892
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,694
−HK$813/mo
Today · 4.125%
HK$31,507
baseline
▲ 0.50% · 4.625%
HK$33,168
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,014/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,348
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,323
−HK$990/mo
Today · 4.125%
HK$33,313
baseline
▲ 0.50% · 4.625%
HK$35,340
+HK$2,027/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,626/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,874
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,809
−HK$949/mo
Today · 4.125%
HK$36,758
baseline
▲ 0.50% · 4.625%
HK$38,696
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,516/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,304
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,558
−HK$1,273/mo
Today · 4.125%
HK$42,831
baseline
▲ 0.50% · 4.625%
HK$45,438
+HK$2,607/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,662/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,838
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,040
−HK$1,220/mo
Today · 4.125%
HK$47,260
baseline
▲ 0.50% · 4.625%
HK$49,751
+HK$2,491/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,520/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,957 · 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).