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$22,372
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,068
−HK$707/mo
Today · 4.125%
HK$23,775
baseline
▲ 0.50% · 4.625%
HK$25,222
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,550/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,889
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,556
−HK$678/mo
Today · 4.125%
HK$26,234
baseline
▲ 0.50% · 4.625%
HK$27,616
+HK$1,382/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,468/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,847
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,682
−HK$848/mo
Today · 4.125%
HK$28,530
baseline
▲ 0.50% · 4.625%
HK$30,266
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$57,060/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,867
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,668
−HK$812/mo
Today · 4.125%
HK$31,480
baseline
▲ 0.50% · 4.625%
HK$33,140
+HK$1,660/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$62,960/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,321
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,295
−HK$990/mo
Today · 4.125%
HK$33,285
baseline
▲ 0.50% · 4.625%
HK$35,311
+HK$2,026/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,570/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,845
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,779
−HK$948/mo
Today · 4.125%
HK$36,727
baseline
▲ 0.50% · 4.625%
HK$38,663
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,454/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,270
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,523
−HK$1,272/mo
Today · 4.125%
HK$42,795
baseline
▲ 0.50% · 4.625%
HK$45,399
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,590/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,800
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,002
−HK$1,219/mo
Today · 4.125%
HK$47,221
baseline
▲ 0.50% · 4.625%
HK$49,710
+HK$2,489/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,442/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,131 · 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).