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$22,386
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,083
−HK$707/mo
Today · 4.125%
HK$23,790
baseline
▲ 0.50% · 4.625%
HK$25,238
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,580/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,905
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,573
−HK$677/mo
Today · 4.125%
HK$26,250
baseline
▲ 0.50% · 4.625%
HK$27,634
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,500/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,864
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,699
−HK$849/mo
Today · 4.125%
HK$28,548
baseline
▲ 0.50% · 4.625%
HK$30,285
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,096/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,886
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,687
−HK$813/mo
Today · 4.125%
HK$31,500
baseline
▲ 0.50% · 4.625%
HK$33,161
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,000/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,341
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,316
−HK$990/mo
Today · 4.125%
HK$33,306
baseline
▲ 0.50% · 4.625%
HK$35,333
+HK$2,027/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,612/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,866
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,802
−HK$948/mo
Today · 4.125%
HK$36,750
baseline
▲ 0.50% · 4.625%
HK$38,687
+HK$1,937/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,500/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,295
−HK$2,527/mo
▼ 0.25% · 3.875%
HK$41,549
−HK$1,273/mo
Today · 4.125%
HK$42,822
baseline
▲ 0.50% · 4.625%
HK$45,428
+HK$2,606/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,644/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,828
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,031
−HK$1,219/mo
Today · 4.125%
HK$47,250
baseline
▲ 0.50% · 4.625%
HK$49,741
+HK$2,491/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,500/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,748 · 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).