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$22,403
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,099
−HK$708/mo
Today · 4.125%
HK$23,807
baseline
▲ 0.50% · 4.625%
HK$25,256
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,614/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,923
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,591
−HK$678/mo
Today · 4.125%
HK$26,269
baseline
▲ 0.50% · 4.625%
HK$27,654
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,538/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,883
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,719
−HK$850/mo
Today · 4.125%
HK$28,569
baseline
▲ 0.50% · 4.625%
HK$30,307
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,138/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,907
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,709
−HK$814/mo
Today · 4.125%
HK$31,523
baseline
▲ 0.50% · 4.625%
HK$33,185
+HK$1,662/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,046/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,364
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,339
−HK$991/mo
Today · 4.125%
HK$33,330
baseline
▲ 0.50% · 4.625%
HK$35,358
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,660/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,892
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,827
−HK$950/mo
Today · 4.125%
HK$36,777
baseline
▲ 0.50% · 4.625%
HK$38,715
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,554/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,325
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,579
−HK$1,274/mo
Today · 4.125%
HK$42,853
baseline
▲ 0.50% · 4.625%
HK$45,461
+HK$2,608/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,706/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,458 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,861
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,064
−HK$1,220/mo
Today · 4.125%
HK$47,284
baseline
▲ 0.50% · 4.625%
HK$49,777
+HK$2,493/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,568/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,458 · 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).