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$22,381
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,077
−HK$707/mo
Today · 4.125%
HK$23,784
baseline
▲ 0.50% · 4.625%
HK$25,231
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,568/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,898
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,566
−HK$677/mo
Today · 4.125%
HK$26,243
baseline
▲ 0.50% · 4.625%
HK$27,627
+HK$1,384/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$351,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,857
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,692
−HK$849/mo
Today · 4.125%
HK$28,541
baseline
▲ 0.50% · 4.625%
HK$30,277
+HK$1,736/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,082/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,878
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,679
−HK$813/mo
Today · 4.125%
HK$31,492
baseline
▲ 0.50% · 4.625%
HK$33,152
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$62,984/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,333
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,307
−HK$991/mo
Today · 4.125%
HK$33,298
baseline
▲ 0.50% · 4.625%
HK$35,324
+HK$2,026/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,596/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,857
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,792
−HK$949/mo
Today · 4.125%
HK$36,741
baseline
▲ 0.50% · 4.625%
HK$38,677
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,482/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,285
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,538
−HK$1,273/mo
Today · 4.125%
HK$42,811
baseline
▲ 0.50% · 4.625%
HK$45,416
+HK$2,605/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,622/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,817
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,019
−HK$1,219/mo
Today · 4.125%
HK$47,238
baseline
▲ 0.50% · 4.625%
HK$49,728
+HK$2,490/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,476/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,493 · 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).