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$22,375
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,071
−HK$707/mo
Today · 4.125%
HK$23,778
baseline
▲ 0.50% · 4.625%
HK$25,225
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,556/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,892
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,559
−HK$677/mo
Today · 4.125%
HK$26,236
baseline
▲ 0.50% · 4.625%
HK$27,619
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,472/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,850
−HK$1,683/mo
▼ 0.25% · 3.875%
HK$27,685
−HK$848/mo
Today · 4.125%
HK$28,533
baseline
▲ 0.50% · 4.625%
HK$30,270
+HK$1,737/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$57,066/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,870
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,671
−HK$813/mo
Today · 4.125%
HK$31,484
baseline
▲ 0.50% · 4.625%
HK$33,143
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$62,968/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,325
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,299
−HK$990/mo
Today · 4.125%
HK$33,289
baseline
▲ 0.50% · 4.625%
HK$35,315
+HK$2,026/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,578/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,848
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,783
−HK$948/mo
Today · 4.125%
HK$36,731
baseline
▲ 0.50% · 4.625%
HK$38,667
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,462/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,275
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,527
−HK$1,273/mo
Today · 4.125%
HK$42,800
baseline
▲ 0.50% · 4.625%
HK$45,404
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,600/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,805
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,007
−HK$1,219/mo
Today · 4.125%
HK$47,226
baseline
▲ 0.50% · 4.625%
HK$49,715
+HK$2,489/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,452/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,238 · 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).