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$22,394
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,091
−HK$708/mo
Today · 4.125%
HK$23,799
baseline
▲ 0.50% · 4.625%
HK$25,247
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,598/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,913
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,582
−HK$677/mo
Today · 4.125%
HK$26,259
baseline
▲ 0.50% · 4.625%
HK$27,644
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,518/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,873
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,709
−HK$849/mo
Today · 4.125%
HK$28,558
baseline
▲ 0.50% · 4.625%
HK$30,296
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,116/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,896
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,698
−HK$813/mo
Today · 4.125%
HK$31,511
baseline
▲ 0.50% · 4.625%
HK$33,172
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,022/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,352
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,327
−HK$991/mo
Today · 4.125%
HK$33,318
baseline
▲ 0.50% · 4.625%
HK$35,345
+HK$2,027/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,636/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,879
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,814
−HK$949/mo
Today · 4.125%
HK$36,763
baseline
▲ 0.50% · 4.625%
HK$38,701
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,526/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,310
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,564
−HK$1,273/mo
Today · 4.125%
HK$42,837
baseline
▲ 0.50% · 4.625%
HK$45,444
+HK$2,607/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,674/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,844
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,047
−HK$1,220/mo
Today · 4.125%
HK$47,267
baseline
▲ 0.50% · 4.625%
HK$49,758
+HK$2,491/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,534/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,094 · 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).