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$22,485
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,185
−HK$710/mo
Today · 4.125%
HK$23,895
baseline
▲ 0.50% · 4.625%
HK$25,349
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,790/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,015
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,686
−HK$680/mo
Today · 4.125%
HK$26,366
baseline
▲ 0.50% · 4.625%
HK$27,756
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,732/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,982
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,822
−HK$852/mo
Today · 4.125%
HK$28,674
baseline
▲ 0.50% · 4.625%
HK$30,419
+HK$1,745/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,348/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,018
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,823
−HK$816/mo
Today · 4.125%
HK$31,639
baseline
▲ 0.50% · 4.625%
HK$33,307
+HK$1,668/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,278/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,480
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,459
−HK$995/mo
Today · 4.125%
HK$33,454
baseline
▲ 0.50% · 4.625%
HK$35,489
+HK$2,035/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,908/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$356,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,021
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,960
−HK$953/mo
Today · 4.125%
HK$36,913
baseline
▲ 0.50% · 4.625%
HK$38,858
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,826/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$356,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,474
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,733
−HK$1,279/mo
Today · 4.125%
HK$43,012
baseline
▲ 0.50% · 4.625%
HK$45,629
+HK$2,617/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$86,024/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,027
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,234
−HK$1,225/mo
Today · 4.125%
HK$47,459
baseline
▲ 0.50% · 4.625%
HK$49,961
+HK$2,502/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,918/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,090 · 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).