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$22,398
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,094
−HK$708/mo
Today · 4.125%
HK$23,802
baseline
▲ 0.50% · 4.625%
HK$25,250
+HK$1,448/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,604/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,917
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,585
−HK$678/mo
Today · 4.125%
HK$26,263
baseline
▲ 0.50% · 4.625%
HK$27,648
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,526/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$352,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,877
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,713
−HK$850/mo
Today · 4.125%
HK$28,563
baseline
▲ 0.50% · 4.625%
HK$30,301
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,126/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,901
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,702
−HK$814/mo
Today · 4.125%
HK$31,516
baseline
▲ 0.50% · 4.625%
HK$33,177
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,032/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,357
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,332
−HK$991/mo
Today · 4.125%
HK$33,323
baseline
▲ 0.50% · 4.625%
HK$35,351
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,646/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,884
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,820
−HK$949/mo
Today · 4.125%
HK$36,769
baseline
▲ 0.50% · 4.625%
HK$38,707
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,538/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,316
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,570
−HK$1,274/mo
Today · 4.125%
HK$42,844
baseline
▲ 0.50% · 4.625%
HK$45,451
+HK$2,607/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,688/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,851
−HK$2,423/mo
▼ 0.25% · 3.875%
HK$46,054
−HK$1,220/mo
Today · 4.125%
HK$47,274
baseline
▲ 0.50% · 4.625%
HK$49,766
+HK$2,492/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,548/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$352,240 · 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).