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$22,399
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,096
−HK$708/mo
Today · 4.125%
HK$23,804
baseline
▲ 0.50% · 4.625%
HK$25,252
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,608/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,919
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,587
−HK$678/mo
Today · 4.125%
HK$26,265
baseline
▲ 0.50% · 4.625%
HK$27,650
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,530/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,879
−HK$1,685/mo
▼ 0.25% · 3.875%
HK$27,715
−HK$849/mo
Today · 4.125%
HK$28,564
baseline
▲ 0.50% · 4.625%
HK$30,303
+HK$1,739/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,128/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,903
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,705
−HK$813/mo
Today · 4.125%
HK$31,518
baseline
▲ 0.50% · 4.625%
HK$33,179
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,036/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,359
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,334
−HK$991/mo
Today · 4.125%
HK$33,325
baseline
▲ 0.50% · 4.625%
HK$35,353
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,650/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,886
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,822
−HK$949/mo
Today · 4.125%
HK$36,771
baseline
▲ 0.50% · 4.625%
HK$38,709
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,542/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,318
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,573
−HK$1,274/mo
Today · 4.125%
HK$42,847
baseline
▲ 0.50% · 4.625%
HK$45,454
+HK$2,607/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,694/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,854
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,057
−HK$1,220/mo
Today · 4.125%
HK$47,277
baseline
▲ 0.50% · 4.625%
HK$49,769
+HK$2,492/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,554/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,307 · 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).