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$22,479
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,178
−HK$710/mo
Today · 4.125%
HK$23,888
baseline
▲ 0.50% · 4.625%
HK$25,342
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,776/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,007
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,678
−HK$680/mo
Today · 4.125%
HK$26,358
baseline
▲ 0.50% · 4.625%
HK$27,748
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,716/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,974
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,813
−HK$853/mo
Today · 4.125%
HK$28,666
baseline
▲ 0.50% · 4.625%
HK$30,410
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,332/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,009
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,813
−HK$817/mo
Today · 4.125%
HK$31,630
baseline
▲ 0.50% · 4.625%
HK$33,297
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,260/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,470
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,449
−HK$994/mo
Today · 4.125%
HK$33,443
baseline
▲ 0.50% · 4.625%
HK$35,478
+HK$2,035/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,886/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,010
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,949
−HK$953/mo
Today · 4.125%
HK$36,902
baseline
▲ 0.50% · 4.625%
HK$38,847
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,804/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,461
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,720
−HK$1,279/mo
Today · 4.125%
HK$42,999
baseline
▲ 0.50% · 4.625%
HK$45,615
+HK$2,616/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$85,998/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,013
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,220
−HK$1,225/mo
Today · 4.125%
HK$47,445
baseline
▲ 0.50% · 4.625%
HK$49,946
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,890/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,791 · 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).