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$22,479
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,178
−HK$711/mo
Today · 4.125%
HK$23,889
baseline
▲ 0.50% · 4.625%
HK$25,342
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,778/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,008
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,678
−HK$681/mo
Today · 4.125%
HK$26,359
baseline
▲ 0.50% · 4.625%
HK$27,748
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,718/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,975
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,814
−HK$852/mo
Today · 4.125%
HK$28,666
baseline
▲ 0.50% · 4.625%
HK$30,411
+HK$1,745/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,332/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,009
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,814
−HK$817/mo
Today · 4.125%
HK$31,631
baseline
▲ 0.50% · 4.625%
HK$33,298
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,262/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,471
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,450
−HK$994/mo
Today · 4.125%
HK$33,444
baseline
▲ 0.50% · 4.625%
HK$35,479
+HK$2,035/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,888/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,011
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,950
−HK$952/mo
Today · 4.125%
HK$36,902
baseline
▲ 0.50% · 4.625%
HK$38,848
+HK$1,946/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,804/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,462
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,721
−HK$1,279/mo
Today · 4.125%
HK$43,000
baseline
▲ 0.50% · 4.625%
HK$45,616
+HK$2,616/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$86,000/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,014
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,221
−HK$1,225/mo
Today · 4.125%
HK$47,446
baseline
▲ 0.50% · 4.625%
HK$49,947
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,892/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,815 · 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).