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$22,397
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,094
−HK$708/mo
Today · 4.125%
HK$23,802
baseline
▲ 0.50% · 4.625%
HK$25,250
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,604/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,917
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,585
−HK$678/mo
Today · 4.125%
HK$26,263
baseline
▲ 0.50% · 4.625%
HK$27,647
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,526/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,877
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,713
−HK$849/mo
Today · 4.125%
HK$28,562
baseline
▲ 0.50% · 4.625%
HK$30,300
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,124/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,900
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,702
−HK$813/mo
Today · 4.125%
HK$31,515
baseline
▲ 0.50% · 4.625%
HK$33,177
+HK$1,662/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,030/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,356
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,331
−HK$991/mo
Today · 4.125%
HK$33,322
baseline
▲ 0.50% · 4.625%
HK$35,350
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,644/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,883
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,819
−HK$949/mo
Today · 4.125%
HK$36,768
baseline
▲ 0.50% · 4.625%
HK$38,706
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,536/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,315
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,569
−HK$1,274/mo
Today · 4.125%
HK$42,843
baseline
▲ 0.50% · 4.625%
HK$45,450
+HK$2,607/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,686/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,850
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,053
−HK$1,220/mo
Today · 4.125%
HK$47,273
baseline
▲ 0.50% · 4.625%
HK$49,765
+HK$2,492/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,546/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,220 · 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).