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$22,371
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$23,066
−HK$707/mo
Today · 4.125%
HK$23,773
baseline
▲ 0.50% · 4.625%
HK$25,220
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,546/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,887
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,554
−HK$678/mo
Today · 4.125%
HK$26,232
baseline
▲ 0.50% · 4.625%
HK$27,614
+HK$1,382/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,464/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,845
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,680
−HK$848/mo
Today · 4.125%
HK$28,528
baseline
▲ 0.50% · 4.625%
HK$30,264
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$57,056/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,864
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,665
−HK$813/mo
Today · 4.125%
HK$31,478
baseline
▲ 0.50% · 4.625%
HK$33,137
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$62,956/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,319
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,293
−HK$990/mo
Today · 4.125%
HK$33,283
baseline
▲ 0.50% · 4.625%
HK$35,308
+HK$2,025/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,566/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,842
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,776
−HK$948/mo
Today · 4.125%
HK$36,724
baseline
▲ 0.50% · 4.625%
HK$38,660
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,448/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,267
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,519
−HK$1,273/mo
Today · 4.125%
HK$42,792
baseline
▲ 0.50% · 4.625%
HK$45,396
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,584/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,797
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$45,998
−HK$1,219/mo
Today · 4.125%
HK$47,217
baseline
▲ 0.50% · 4.625%
HK$49,706
+HK$2,489/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,434/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,052 · 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).