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$22,382
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,078
−HK$707/mo
Today · 4.125%
HK$23,785
baseline
▲ 0.50% · 4.625%
HK$25,233
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,570/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,900
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,567
−HK$678/mo
Today · 4.125%
HK$26,245
baseline
▲ 0.50% · 4.625%
HK$27,628
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,490/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,858
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,694
−HK$849/mo
Today · 4.125%
HK$28,543
baseline
▲ 0.50% · 4.625%
HK$30,279
+HK$1,736/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,086/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,880
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,681
−HK$813/mo
Today · 4.125%
HK$31,494
baseline
▲ 0.50% · 4.625%
HK$33,154
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$62,988/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,335
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,309
−HK$991/mo
Today · 4.125%
HK$33,300
baseline
▲ 0.50% · 4.625%
HK$35,326
+HK$2,026/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,600/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,859
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,794
−HK$949/mo
Today · 4.125%
HK$36,743
baseline
▲ 0.50% · 4.625%
HK$38,680
+HK$1,937/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,486/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,287
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,541
−HK$1,273/mo
Today · 4.125%
HK$42,814
baseline
▲ 0.50% · 4.625%
HK$45,419
+HK$2,605/mo
Deposit HK$982K · loan HK$8.83M · min. income ≈ HK$85,628/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,819
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,021
−HK$1,220/mo
Today · 4.125%
HK$47,241
baseline
▲ 0.50% · 4.625%
HK$49,731
+HK$2,490/mo
Deposit HK$982K · loan HK$8.83M · min. income ≈ HK$94,482/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,552 · 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).