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$22,409
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,106
−HK$708/mo
Today · 4.125%
HK$23,814
baseline
▲ 0.50% · 4.625%
HK$25,263
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,628/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,929
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,598
−HK$678/mo
Today · 4.125%
HK$26,276
baseline
▲ 0.50% · 4.625%
HK$27,661
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,552/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,890
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,727
−HK$850/mo
Today · 4.125%
HK$28,577
baseline
▲ 0.50% · 4.625%
HK$30,315
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,154/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,915
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,717
−HK$814/mo
Today · 4.125%
HK$31,531
baseline
▲ 0.50% · 4.625%
HK$33,193
+HK$1,662/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,062/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,372
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,348
−HK$991/mo
Today · 4.125%
HK$33,339
baseline
▲ 0.50% · 4.625%
HK$35,368
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,678/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,901
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,837
−HK$950/mo
Today · 4.125%
HK$36,787
baseline
▲ 0.50% · 4.625%
HK$38,726
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,574/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,335
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,590
−HK$1,275/mo
Today · 4.125%
HK$42,865
baseline
▲ 0.50% · 4.625%
HK$45,473
+HK$2,608/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$85,730/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,873
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,076
−HK$1,221/mo
Today · 4.125%
HK$47,297
baseline
▲ 0.50% · 4.625%
HK$49,790
+HK$2,493/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$94,594/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,722 · 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).