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$22,406
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,103
−HK$708/mo
Today · 4.125%
HK$23,811
baseline
▲ 0.50% · 4.625%
HK$25,260
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,622/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,926
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,595
−HK$678/mo
Today · 4.125%
HK$26,273
baseline
▲ 0.50% · 4.625%
HK$27,658
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,546/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,887
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,724
−HK$849/mo
Today · 4.125%
HK$28,573
baseline
▲ 0.50% · 4.625%
HK$30,312
+HK$1,739/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,146/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,912
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,714
−HK$814/mo
Today · 4.125%
HK$31,528
baseline
▲ 0.50% · 4.625%
HK$33,190
+HK$1,662/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,056/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,368
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,344
−HK$992/mo
Today · 4.125%
HK$33,336
baseline
▲ 0.50% · 4.625%
HK$35,364
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,672/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,897
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,833
−HK$949/mo
Today · 4.125%
HK$36,782
baseline
▲ 0.50% · 4.625%
HK$38,721
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,564/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,331
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,585
−HK$1,275/mo
Today · 4.125%
HK$42,860
baseline
▲ 0.50% · 4.625%
HK$45,468
+HK$2,608/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$85,720/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,868
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,071
−HK$1,221/mo
Today · 4.125%
HK$47,292
baseline
▲ 0.50% · 4.625%
HK$49,785
+HK$2,493/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$94,584/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,611 · 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).