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$23,081
−HK$708/mo
Today · 4.125%
HK$23,789
baseline
▲ 0.50% · 4.625%
HK$25,236
+HK$1,447/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$351,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,903
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,571
−HK$677/mo
Today · 4.125%
HK$26,248
baseline
▲ 0.50% · 4.625%
HK$27,632
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,496/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,862
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,697
−HK$849/mo
Today · 4.125%
HK$28,546
baseline
▲ 0.50% · 4.625%
HK$30,283
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,092/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,883
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,685
−HK$813/mo
Today · 4.125%
HK$31,498
baseline
▲ 0.50% · 4.625%
HK$33,158
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$62,996/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,339
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,314
−HK$990/mo
Today · 4.125%
HK$33,304
baseline
▲ 0.50% · 4.625%
HK$35,330
+HK$2,026/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,608/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,864
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,799
−HK$949/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$351,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,293
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,546
−HK$1,273/mo
Today · 4.125%
HK$42,819
baseline
▲ 0.50% · 4.625%
HK$45,425
+HK$2,606/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,638/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,825
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,027
−HK$1,220/mo
Today · 4.125%
HK$47,247
baseline
▲ 0.50% · 4.625%
HK$49,737
+HK$2,490/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,494/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,681 · 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).