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$22,404
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,101
−HK$708/mo
Today · 4.125%
HK$23,809
baseline
▲ 0.50% · 4.625%
HK$25,258
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,618/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,924
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,593
−HK$678/mo
Today · 4.125%
HK$26,271
baseline
▲ 0.50% · 4.625%
HK$27,655
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,542/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,885
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,721
−HK$850/mo
Today · 4.125%
HK$28,571
baseline
▲ 0.50% · 4.625%
HK$30,309
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,142/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,909
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,711
−HK$814/mo
Today · 4.125%
HK$31,525
baseline
▲ 0.50% · 4.625%
HK$33,187
+HK$1,662/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,050/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,366
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,341
−HK$991/mo
Today · 4.125%
HK$33,332
baseline
▲ 0.50% · 4.625%
HK$35,361
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,664/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,894
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,830
−HK$949/mo
Today · 4.125%
HK$36,779
baseline
▲ 0.50% · 4.625%
HK$38,718
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,558/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,327
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,581
−HK$1,275/mo
Today · 4.125%
HK$42,856
baseline
▲ 0.50% · 4.625%
HK$45,464
+HK$2,608/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$85,712/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,863
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,067
−HK$1,220/mo
Today · 4.125%
HK$47,287
baseline
▲ 0.50% · 4.625%
HK$49,780
+HK$2,493/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$94,574/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,519 · 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).