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$22,385
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,082
−HK$707/mo
Today · 4.125%
HK$23,789
baseline
▲ 0.50% · 4.625%
HK$25,237
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,578/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,903
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,571
−HK$678/mo
Today · 4.125%
HK$26,249
baseline
▲ 0.50% · 4.625%
HK$27,632
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,498/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,862
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,698
−HK$849/mo
Today · 4.125%
HK$28,547
baseline
▲ 0.50% · 4.625%
HK$30,284
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,094/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,884
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,686
−HK$813/mo
Today · 4.125%
HK$31,499
baseline
▲ 0.50% · 4.625%
HK$33,159
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$62,998/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,339
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,314
−HK$991/mo
Today · 4.125%
HK$33,305
baseline
▲ 0.50% · 4.625%
HK$35,331
+HK$2,026/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,610/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,865
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,800
−HK$948/mo
Today · 4.125%
HK$36,748
baseline
▲ 0.50% · 4.625%
HK$38,685
+HK$1,937/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,496/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,294
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,547
−HK$1,273/mo
Today · 4.125%
HK$42,820
baseline
▲ 0.50% · 4.625%
HK$45,426
+HK$2,606/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,640/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,826
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,028
−HK$1,220/mo
Today · 4.125%
HK$47,248
baseline
▲ 0.50% · 4.625%
HK$49,738
+HK$2,490/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,496/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,701 · 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).