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$22,382
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,078
−HK$708/mo
Today · 4.125%
HK$23,786
baseline
▲ 0.50% · 4.625%
HK$25,233
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,572/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,900
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,568
−HK$677/mo
Today · 4.125%
HK$26,245
baseline
▲ 0.50% · 4.625%
HK$27,629
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,490/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,859
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,694
−HK$849/mo
Today · 4.125%
HK$28,543
baseline
▲ 0.50% · 4.625%
HK$30,280
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,086/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,880
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,681
−HK$813/mo
Today · 4.125%
HK$31,494
baseline
▲ 0.50% · 4.625%
HK$33,154
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$62,988/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,335
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,310
−HK$990/mo
Today · 4.125%
HK$33,300
baseline
▲ 0.50% · 4.625%
HK$35,326
+HK$2,026/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,600/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,860
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,795
−HK$948/mo
Today · 4.125%
HK$36,743
baseline
▲ 0.50% · 4.625%
HK$38,680
+HK$1,937/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,486/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,288
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,541
−HK$1,273/mo
Today · 4.125%
HK$42,814
baseline
▲ 0.50% · 4.625%
HK$45,420
+HK$2,606/mo
Deposit HK$982K · loan HK$8.83M · min. income ≈ HK$85,628/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,820
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,022
−HK$1,219/mo
Today · 4.125%
HK$47,241
baseline
▲ 0.50% · 4.625%
HK$49,732
+HK$2,491/mo
Deposit HK$982K · loan HK$8.83M · min. income ≈ HK$94,482/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,565 · 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).