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$22,498
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$23,198
−HK$711/mo
Today · 4.125%
HK$23,909
baseline
▲ 0.50% · 4.625%
HK$25,364
+HK$1,455/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,818/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,029
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,700
−HK$681/mo
Today · 4.125%
HK$26,381
baseline
▲ 0.50% · 4.625%
HK$27,772
+HK$1,391/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,762/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,998
−HK$1,693/mo
▼ 0.25% · 3.875%
HK$27,838
−HK$853/mo
Today · 4.125%
HK$28,691
baseline
▲ 0.50% · 4.625%
HK$30,437
+HK$1,746/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$57,382/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,035
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,840
−HK$817/mo
Today · 4.125%
HK$31,657
baseline
▲ 0.50% · 4.625%
HK$33,326
+HK$1,669/mo
Deposit HK$3.95M · loan HK$5.92M · min. income ≈ HK$63,314/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,497
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,477
−HK$996/mo
Today · 4.125%
HK$33,473
baseline
▲ 0.50% · 4.625%
HK$35,509
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$66,946/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,041
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,980
−HK$954/mo
Today · 4.125%
HK$36,934
baseline
▲ 0.50% · 4.625%
HK$38,881
+HK$1,947/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,868/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$356,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,497
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,756
−HK$1,280/mo
Today · 4.125%
HK$43,036
baseline
▲ 0.50% · 4.625%
HK$45,655
+HK$2,619/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$86,072/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,052
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,260
−HK$1,226/mo
Today · 4.125%
HK$47,486
baseline
▲ 0.50% · 4.625%
HK$49,989
+HK$2,503/mo
Deposit HK$987K · loan HK$8.88M · min. income ≈ HK$94,972/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,651 · 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).