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$22,374
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,070
−HK$707/mo
Today · 4.125%
HK$23,777
baseline
▲ 0.50% · 4.625%
HK$25,224
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,554/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,891
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,559
−HK$677/mo
Today · 4.125%
HK$26,236
baseline
▲ 0.50% · 4.625%
HK$27,619
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,472/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,849
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,684
−HK$849/mo
Today · 4.125%
HK$28,533
baseline
▲ 0.50% · 4.625%
HK$30,269
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$57,066/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,870
−HK$1,613/mo
▼ 0.25% · 3.875%
HK$30,671
−HK$812/mo
Today · 4.125%
HK$31,483
baseline
▲ 0.50% · 4.625%
HK$33,143
+HK$1,660/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$62,966/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,324
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,298
−HK$990/mo
Today · 4.125%
HK$33,288
baseline
▲ 0.50% · 4.625%
HK$35,314
+HK$2,026/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,576/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,848
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$35,782
−HK$948/mo
Today · 4.125%
HK$36,730
baseline
▲ 0.50% · 4.625%
HK$38,667
+HK$1,937/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,460/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,274
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,527
−HK$1,272/mo
Today · 4.125%
HK$42,799
baseline
▲ 0.50% · 4.625%
HK$45,404
+HK$2,605/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,598/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,804
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,006
−HK$1,219/mo
Today · 4.125%
HK$47,225
baseline
▲ 0.50% · 4.625%
HK$49,714
+HK$2,489/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,450/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,222 · 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).