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$22,483
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,183
−HK$710/mo
Today · 4.125%
HK$23,893
baseline
▲ 0.50% · 4.625%
HK$25,347
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,786/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,012
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,683
−HK$681/mo
Today · 4.125%
HK$26,364
baseline
▲ 0.50% · 4.625%
HK$27,753
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,728/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,980
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,819
−HK$853/mo
Today · 4.125%
HK$28,672
baseline
▲ 0.50% · 4.625%
HK$30,416
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,344/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,015
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,820
−HK$817/mo
Today · 4.125%
HK$31,637
baseline
▲ 0.50% · 4.625%
HK$33,304
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,274/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,477
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,456
−HK$994/mo
Today · 4.125%
HK$33,450
baseline
▲ 0.50% · 4.625%
HK$35,486
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,900/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,017
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,957
−HK$952/mo
Today · 4.125%
HK$36,909
baseline
▲ 0.50% · 4.625%
HK$38,855
+HK$1,946/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,818/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,470
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,729
−HK$1,279/mo
Today · 4.125%
HK$43,008
baseline
▲ 0.50% · 4.625%
HK$45,625
+HK$2,617/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$86,016/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,022
−HK$2,433/mo
▼ 0.25% · 3.875%
HK$46,230
−HK$1,225/mo
Today · 4.125%
HK$47,455
baseline
▲ 0.50% · 4.625%
HK$49,956
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,910/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,999 · 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).