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$22,473
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,172
−HK$711/mo
Today · 4.125%
HK$23,883
baseline
▲ 0.50% · 4.625%
HK$25,336
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,766/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,001
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,672
−HK$680/mo
Today · 4.125%
HK$26,352
baseline
▲ 0.50% · 4.625%
HK$27,741
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,704/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,968
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,807
−HK$852/mo
Today · 4.125%
HK$28,659
baseline
▲ 0.50% · 4.625%
HK$30,403
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,318/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,002
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,806
−HK$816/mo
Today · 4.125%
HK$31,622
baseline
▲ 0.50% · 4.625%
HK$33,289
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,244/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,463
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,441
−HK$995/mo
Today · 4.125%
HK$33,436
baseline
▲ 0.50% · 4.625%
HK$35,470
+HK$2,034/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,872/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,002
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,940
−HK$953/mo
Today · 4.125%
HK$36,893
baseline
▲ 0.50% · 4.625%
HK$38,837
+HK$1,944/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,786/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,452
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,710
−HK$1,279/mo
Today · 4.125%
HK$42,989
baseline
▲ 0.50% · 4.625%
HK$45,604
+HK$2,615/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$85,978/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,002
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,209
−HK$1,225/mo
Today · 4.125%
HK$47,434
baseline
▲ 0.50% · 4.625%
HK$49,934
+HK$2,500/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,868/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,558 · 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).