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$22,492
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,191
−HK$711/mo
Today · 4.125%
HK$23,902
baseline
▲ 0.50% · 4.625%
HK$25,356
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,804/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,022
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,693
−HK$680/mo
Today · 4.125%
HK$26,373
baseline
▲ 0.50% · 4.625%
HK$27,764
+HK$1,391/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,746/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,990
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,829
−HK$853/mo
Today · 4.125%
HK$28,682
baseline
▲ 0.50% · 4.625%
HK$30,428
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,364/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,026
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,831
−HK$817/mo
Today · 4.125%
HK$31,648
baseline
▲ 0.50% · 4.625%
HK$33,316
+HK$1,668/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,296/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,488
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,468
−HK$995/mo
Today · 4.125%
HK$33,463
baseline
▲ 0.50% · 4.625%
HK$35,499
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,926/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,030
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,970
−HK$953/mo
Today · 4.125%
HK$36,923
baseline
▲ 0.50% · 4.625%
HK$38,869
+HK$1,946/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,846/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,485
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,744
−HK$1,280/mo
Today · 4.125%
HK$43,024
baseline
▲ 0.50% · 4.625%
HK$45,641
+HK$2,617/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$86,048/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,039
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,247
−HK$1,225/mo
Today · 4.125%
HK$47,472
baseline
▲ 0.50% · 4.625%
HK$49,975
+HK$2,503/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$94,944/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,362 · 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).