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$22,398
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,095
−HK$708/mo
Today · 4.125%
HK$23,803
baseline
▲ 0.50% · 4.625%
HK$25,251
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,606/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,918
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,586
−HK$678/mo
Today · 4.125%
HK$26,264
baseline
▲ 0.50% · 4.625%
HK$27,649
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,528/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,878
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,714
−HK$850/mo
Today · 4.125%
HK$28,564
baseline
▲ 0.50% · 4.625%
HK$30,302
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,128/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,902
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,704
−HK$813/mo
Today · 4.125%
HK$31,517
baseline
▲ 0.50% · 4.625%
HK$33,178
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,034/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,358
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,333
−HK$991/mo
Today · 4.125%
HK$33,324
baseline
▲ 0.50% · 4.625%
HK$35,352
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,648/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,885
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,821
−HK$949/mo
Today · 4.125%
HK$36,770
baseline
▲ 0.50% · 4.625%
HK$38,708
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,540/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,317
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,571
−HK$1,274/mo
Today · 4.125%
HK$42,845
baseline
▲ 0.50% · 4.625%
HK$45,452
+HK$2,607/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,690/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,852
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,055
−HK$1,221/mo
Today · 4.125%
HK$47,276
baseline
▲ 0.50% · 4.625%
HK$49,768
+HK$2,492/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,552/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,275 · 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).