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$22,380
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,076
−HK$707/mo
Today · 4.125%
HK$23,783
baseline
▲ 0.50% · 4.625%
HK$25,231
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,566/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,898
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,565
−HK$678/mo
Today · 4.125%
HK$26,243
baseline
▲ 0.50% · 4.625%
HK$27,626
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,486/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,856
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,691
−HK$849/mo
Today · 4.125%
HK$28,540
baseline
▲ 0.50% · 4.625%
HK$30,277
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,080/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,877
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,678
−HK$813/mo
Today · 4.125%
HK$31,491
baseline
▲ 0.50% · 4.625%
HK$33,151
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$62,982/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,332
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,307
−HK$990/mo
Today · 4.125%
HK$33,297
baseline
▲ 0.50% · 4.625%
HK$35,323
+HK$2,026/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,594/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,857
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,791
−HK$949/mo
Today · 4.125%
HK$36,740
baseline
▲ 0.50% · 4.625%
HK$38,676
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,480/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,284
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,537
−HK$1,273/mo
Today · 4.125%
HK$42,810
baseline
▲ 0.50% · 4.625%
HK$45,415
+HK$2,605/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,620/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,816
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,018
−HK$1,219/mo
Today · 4.125%
HK$47,237
baseline
▲ 0.50% · 4.625%
HK$49,727
+HK$2,490/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,474/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,471 · 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).