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$22,505
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,205
−HK$712/mo
Today · 4.125%
HK$23,917
baseline
▲ 0.50% · 4.625%
HK$25,372
+HK$1,455/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,834/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,037
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,709
−HK$681/mo
Today · 4.125%
HK$26,390
baseline
▲ 0.50% · 4.625%
HK$27,781
+HK$1,391/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,780/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,006
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,847
−HK$853/mo
Today · 4.125%
HK$28,700
baseline
▲ 0.50% · 4.625%
HK$30,446
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,400/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,044
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,850
−HK$818/mo
Today · 4.125%
HK$31,668
baseline
▲ 0.50% · 4.625%
HK$33,337
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,336/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,508
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,488
−HK$995/mo
Today · 4.125%
HK$33,483
baseline
▲ 0.50% · 4.625%
HK$35,521
+HK$2,038/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,966/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,052
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,992
−HK$954/mo
Today · 4.125%
HK$36,946
baseline
▲ 0.50% · 4.625%
HK$38,893
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,892/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,510
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,770
−HK$1,280/mo
Today · 4.125%
HK$43,050
baseline
▲ 0.50% · 4.625%
HK$45,670
+HK$2,620/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,100/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,067
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,275
−HK$1,226/mo
Today · 4.125%
HK$47,501
baseline
▲ 0.50% · 4.625%
HK$50,005
+HK$2,504/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$95,002/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,968 · 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).