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$22,415
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,112
−HK$708/mo
Today · 4.125%
HK$23,820
baseline
▲ 0.50% · 4.625%
HK$25,270
+HK$1,450/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,640/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,936
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,605
−HK$678/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,669
+HK$1,386/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,898
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,734
−HK$850/mo
Today · 4.125%
HK$28,584
baseline
▲ 0.50% · 4.625%
HK$30,324
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,168/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,923
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,726
−HK$814/mo
Today · 4.125%
HK$31,540
baseline
▲ 0.50% · 4.625%
HK$33,203
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,080/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,381
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,357
−HK$992/mo
Today · 4.125%
HK$33,349
baseline
▲ 0.50% · 4.625%
HK$35,378
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,698/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,911
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,847
−HK$950/mo
Today · 4.125%
HK$36,797
baseline
▲ 0.50% · 4.625%
HK$38,736
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,594/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,347
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,602
−HK$1,275/mo
Today · 4.125%
HK$42,877
baseline
▲ 0.50% · 4.625%
HK$45,486
+HK$2,609/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,754/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,885
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,089
−HK$1,221/mo
Today · 4.125%
HK$47,310
baseline
▲ 0.50% · 4.625%
HK$49,804
+HK$2,494/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,620/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,994 · 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).