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$22,497
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,197
−HK$711/mo
Today · 4.125%
HK$23,908
baseline
▲ 0.50% · 4.625%
HK$25,363
+HK$1,455/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,816/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,028
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,699
−HK$681/mo
Today · 4.125%
HK$26,380
baseline
▲ 0.50% · 4.625%
HK$27,771
+HK$1,391/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,760/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,997
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,836
−HK$854/mo
Today · 4.125%
HK$28,690
baseline
▲ 0.50% · 4.625%
HK$30,435
+HK$1,745/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,380/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,033
−HK$1,623/mo
▼ 0.25% · 3.875%
HK$30,839
−HK$817/mo
Today · 4.125%
HK$31,656
baseline
▲ 0.50% · 4.625%
HK$33,325
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,312/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,496
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,476
−HK$995/mo
Today · 4.125%
HK$33,471
baseline
▲ 0.50% · 4.625%
HK$35,508
+HK$2,037/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,942/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,039
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,979
−HK$953/mo
Today · 4.125%
HK$36,932
baseline
▲ 0.50% · 4.625%
HK$38,879
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,864/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,495
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,755
−HK$1,279/mo
Today · 4.125%
HK$43,034
baseline
▲ 0.50% · 4.625%
HK$45,653
+HK$2,619/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,068/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,050
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,258
−HK$1,226/mo
Today · 4.125%
HK$47,484
baseline
▲ 0.50% · 4.625%
HK$49,987
+HK$2,503/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$94,968/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,608 · 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).