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$22,410
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,107
−HK$708/mo
Today · 4.125%
HK$23,815
baseline
▲ 0.50% · 4.625%
HK$25,264
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,630/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,931
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,600
−HK$678/mo
Today · 4.125%
HK$26,278
baseline
▲ 0.50% · 4.625%
HK$27,663
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,556/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,892
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,729
−HK$849/mo
Today · 4.125%
HK$28,578
baseline
▲ 0.50% · 4.625%
HK$30,317
+HK$1,739/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,156/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,917
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,720
−HK$813/mo
Today · 4.125%
HK$31,533
baseline
▲ 0.50% · 4.625%
HK$33,196
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,066/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,374
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,350
−HK$992/mo
Today · 4.125%
HK$33,342
baseline
▲ 0.50% · 4.625%
HK$35,370
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,684/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,903
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,839
−HK$950/mo
Today · 4.125%
HK$36,789
baseline
▲ 0.50% · 4.625%
HK$38,728
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,578/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,338
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,593
−HK$1,275/mo
Today · 4.125%
HK$42,868
baseline
▲ 0.50% · 4.625%
HK$45,476
+HK$2,608/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,736/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,876
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,079
−HK$1,221/mo
Today · 4.125%
HK$47,300
baseline
▲ 0.50% · 4.625%
HK$49,793
+HK$2,493/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,600/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,787 · 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).