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$22,401
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,098
−HK$708/mo
Today · 4.125%
HK$23,806
baseline
▲ 0.50% · 4.625%
HK$25,254
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,612/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,921
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,589
−HK$678/mo
Today · 4.125%
HK$26,267
baseline
▲ 0.50% · 4.625%
HK$27,652
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,534/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,881
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,717
−HK$850/mo
Today · 4.125%
HK$28,567
baseline
▲ 0.50% · 4.625%
HK$30,305
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,134/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,905
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,707
−HK$814/mo
Today · 4.125%
HK$31,521
baseline
▲ 0.50% · 4.625%
HK$33,182
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,042/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,361
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,337
−HK$991/mo
Today · 4.125%
HK$33,328
baseline
▲ 0.50% · 4.625%
HK$35,356
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,656/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,889
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,825
−HK$949/mo
Today · 4.125%
HK$36,774
baseline
▲ 0.50% · 4.625%
HK$38,713
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,548/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,322
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,576
−HK$1,274/mo
Today · 4.125%
HK$42,850
baseline
▲ 0.50% · 4.625%
HK$45,458
+HK$2,608/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,700/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,858
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,061
−HK$1,220/mo
Today · 4.125%
HK$47,281
baseline
▲ 0.50% · 4.625%
HK$49,773
+HK$2,492/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,562/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,392 · 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).