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$22,408
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$23,105
−HK$708/mo
Today · 4.125%
HK$23,813
baseline
▲ 0.50% · 4.625%
HK$25,262
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,626/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,929
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,597
−HK$678/mo
Today · 4.125%
HK$26,275
baseline
▲ 0.50% · 4.625%
HK$27,660
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,550/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,889
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,726
−HK$850/mo
Today · 4.125%
HK$28,576
baseline
▲ 0.50% · 4.625%
HK$30,314
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,152/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,914
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,716
−HK$814/mo
Today · 4.125%
HK$31,530
baseline
▲ 0.50% · 4.625%
HK$33,192
+HK$1,662/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,060/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,371
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,347
−HK$991/mo
Today · 4.125%
HK$33,338
baseline
▲ 0.50% · 4.625%
HK$35,367
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,676/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,900
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,836
−HK$949/mo
Today · 4.125%
HK$36,785
baseline
▲ 0.50% · 4.625%
HK$38,724
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,570/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,334
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,589
−HK$1,274/mo
Today · 4.125%
HK$42,863
baseline
▲ 0.50% · 4.625%
HK$45,472
+HK$2,609/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$85,726/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,871
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,075
−HK$1,221/mo
Today · 4.125%
HK$47,296
baseline
▲ 0.50% · 4.625%
HK$49,789
+HK$2,493/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$94,592/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,690 · 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).