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$22,486
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,185
−HK$711/mo
Today · 4.125%
HK$23,896
baseline
▲ 0.50% · 4.625%
HK$25,350
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,792/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,015
−HK$1,352/mo
▼ 0.25% · 3.875%
HK$25,686
−HK$681/mo
Today · 4.125%
HK$26,367
baseline
▲ 0.50% · 4.625%
HK$27,757
+HK$1,390/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,734/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$356,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,983
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,822
−HK$853/mo
Today · 4.125%
HK$28,675
baseline
▲ 0.50% · 4.625%
HK$30,420
+HK$1,745/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,350/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,018
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,823
−HK$817/mo
Today · 4.125%
HK$31,640
baseline
▲ 0.50% · 4.625%
HK$33,308
+HK$1,668/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,280/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$356,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,480
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,459
−HK$995/mo
Today · 4.125%
HK$33,454
baseline
▲ 0.50% · 4.625%
HK$35,490
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,908/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$356,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,021
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,961
−HK$953/mo
Today · 4.125%
HK$36,914
baseline
▲ 0.50% · 4.625%
HK$38,859
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,828/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$356,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,475
−HK$2,538/mo
▼ 0.25% · 3.875%
HK$41,734
−HK$1,279/mo
Today · 4.125%
HK$43,013
baseline
▲ 0.50% · 4.625%
HK$45,630
+HK$2,617/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$86,026/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,028
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,235
−HK$1,225/mo
Today · 4.125%
HK$47,460
baseline
▲ 0.50% · 4.625%
HK$49,962
+HK$2,502/mo
Deposit HK$986K · loan HK$8.88M · min. income ≈ HK$94,920/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$356,112 · 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).