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$22,388
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,085
−HK$707/mo
Today · 4.125%
HK$23,792
baseline
▲ 0.50% · 4.625%
HK$25,240
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,584/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,907
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,575
−HK$678/mo
Today · 4.125%
HK$26,253
baseline
▲ 0.50% · 4.625%
HK$27,636
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,506/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,866
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,702
−HK$849/mo
Today · 4.125%
HK$28,551
baseline
▲ 0.50% · 4.625%
HK$30,288
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,102/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,888
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,690
−HK$813/mo
Today · 4.125%
HK$31,503
baseline
▲ 0.50% · 4.625%
HK$33,164
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,006/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,344
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,319
−HK$990/mo
Today · 4.125%
HK$33,309
baseline
▲ 0.50% · 4.625%
HK$35,336
+HK$2,027/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,618/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,870
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,805
−HK$949/mo
Today · 4.125%
HK$36,754
baseline
▲ 0.50% · 4.625%
HK$38,691
+HK$1,937/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,508/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,299
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,553
−HK$1,273/mo
Today · 4.125%
HK$42,826
baseline
▲ 0.50% · 4.625%
HK$45,432
+HK$2,606/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,652/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,832
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,035
−HK$1,220/mo
Today · 4.125%
HK$47,255
baseline
▲ 0.50% · 4.625%
HK$49,745
+HK$2,490/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,510/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,839 · 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).