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$22,378
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,074
−HK$707/mo
Today · 4.125%
HK$23,781
baseline
▲ 0.50% · 4.625%
HK$25,228
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,562/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,895
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,563
−HK$677/mo
Today · 4.125%
HK$26,240
baseline
▲ 0.50% · 4.625%
HK$27,624
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,480/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,854
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,689
−HK$849/mo
Today · 4.125%
HK$28,538
baseline
▲ 0.50% · 4.625%
HK$30,274
+HK$1,736/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,076/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,875
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,676
−HK$813/mo
Today · 4.125%
HK$31,489
baseline
▲ 0.50% · 4.625%
HK$33,148
+HK$1,659/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$62,978/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,329
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,304
−HK$990/mo
Today · 4.125%
HK$33,294
baseline
▲ 0.50% · 4.625%
HK$35,320
+HK$2,026/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,588/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,854
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,788
−HK$949/mo
Today · 4.125%
HK$36,737
baseline
▲ 0.50% · 4.625%
HK$38,673
+HK$1,936/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,474/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,281
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,534
−HK$1,273/mo
Today · 4.125%
HK$42,807
baseline
▲ 0.50% · 4.625%
HK$45,411
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,614/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,812
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,014
−HK$1,219/mo
Today · 4.125%
HK$47,233
baseline
▲ 0.50% · 4.625%
HK$49,723
+HK$2,490/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,466/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,387 · 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).