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$22,376
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,072
−HK$707/mo
Today · 4.125%
HK$23,779
baseline
▲ 0.50% · 4.625%
HK$25,226
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,558/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,893
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,561
−HK$677/mo
Today · 4.125%
HK$26,238
baseline
▲ 0.50% · 4.625%
HK$27,621
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,476/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,852
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,687
−HK$848/mo
Today · 4.125%
HK$28,535
baseline
▲ 0.50% · 4.625%
HK$30,272
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,070/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,872
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,673
−HK$813/mo
Today · 4.125%
HK$31,486
baseline
▲ 0.50% · 4.625%
HK$33,146
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$62,972/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,327
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,301
−HK$990/mo
Today · 4.125%
HK$33,291
baseline
▲ 0.50% · 4.625%
HK$35,317
+HK$2,026/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,582/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,851
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,785
−HK$949/mo
Today · 4.125%
HK$36,734
baseline
▲ 0.50% · 4.625%
HK$38,670
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,468/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,277
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,530
−HK$1,273/mo
Today · 4.125%
HK$42,803
baseline
▲ 0.50% · 4.625%
HK$45,407
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,606/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,808
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,010
−HK$1,219/mo
Today · 4.125%
HK$47,229
baseline
▲ 0.50% · 4.625%
HK$49,718
+HK$2,489/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,458/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,305 · 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).