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$22,400
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,096
−HK$708/mo
Today · 4.125%
HK$23,804
baseline
▲ 0.50% · 4.625%
HK$25,253
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,608/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,919
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,588
−HK$678/mo
Today · 4.125%
HK$26,266
baseline
▲ 0.50% · 4.625%
HK$27,650
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,532/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,880
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,716
−HK$849/mo
Today · 4.125%
HK$28,565
baseline
▲ 0.50% · 4.625%
HK$30,303
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,130/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,903
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,705
−HK$814/mo
Today · 4.125%
HK$31,519
baseline
▲ 0.50% · 4.625%
HK$33,180
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,038/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,359
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,335
−HK$991/mo
Today · 4.125%
HK$33,326
baseline
▲ 0.50% · 4.625%
HK$35,354
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,652/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,887
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,823
−HK$949/mo
Today · 4.125%
HK$36,772
baseline
▲ 0.50% · 4.625%
HK$38,710
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,544/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,319
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,573
−HK$1,275/mo
Today · 4.125%
HK$42,848
baseline
▲ 0.50% · 4.625%
HK$45,455
+HK$2,607/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,696/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,855
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,058
−HK$1,220/mo
Today · 4.125%
HK$47,278
baseline
▲ 0.50% · 4.625%
HK$49,770
+HK$2,492/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,556/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,330 · 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).