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$22,505
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,205
−HK$711/mo
Today · 4.125%
HK$23,916
baseline
▲ 0.50% · 4.625%
HK$25,371
+HK$1,455/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,832/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,036
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,708
−HK$681/mo
Today · 4.125%
HK$26,389
baseline
▲ 0.50% · 4.625%
HK$27,780
+HK$1,391/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,778/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,006
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,846
−HK$853/mo
Today · 4.125%
HK$28,699
baseline
▲ 0.50% · 4.625%
HK$30,446
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,398/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,044
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,850
−HK$817/mo
Today · 4.125%
HK$31,667
baseline
▲ 0.50% · 4.625%
HK$33,336
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,334/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,507
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,487
−HK$996/mo
Today · 4.125%
HK$33,483
baseline
▲ 0.50% · 4.625%
HK$35,520
+HK$2,037/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,966/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,051
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,991
−HK$954/mo
Today · 4.125%
HK$36,945
baseline
▲ 0.50% · 4.625%
HK$38,892
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,890/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,509
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,769
−HK$1,280/mo
Today · 4.125%
HK$43,049
baseline
▲ 0.50% · 4.625%
HK$45,669
+HK$2,620/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,098/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,066
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,274
−HK$1,226/mo
Today · 4.125%
HK$47,500
baseline
▲ 0.50% · 4.625%
HK$50,004
+HK$2,504/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$95,000/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,947 · 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).