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$22,405
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,101
−HK$708/mo
Today · 4.125%
HK$23,809
baseline
▲ 0.50% · 4.625%
HK$25,258
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,618/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,925
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,593
−HK$678/mo
Today · 4.125%
HK$26,271
baseline
▲ 0.50% · 4.625%
HK$27,656
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,542/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,885
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,722
−HK$849/mo
Today · 4.125%
HK$28,571
baseline
▲ 0.50% · 4.625%
HK$30,310
+HK$1,739/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,142/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,910
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,712
−HK$814/mo
Today · 4.125%
HK$31,526
baseline
▲ 0.50% · 4.625%
HK$33,187
+HK$1,661/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,052/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,366
−HK$1,967/mo
▼ 0.25% · 3.875%
HK$32,342
−HK$991/mo
Today · 4.125%
HK$33,333
baseline
▲ 0.50% · 4.625%
HK$35,362
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,666/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,895
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$35,831
−HK$949/mo
Today · 4.125%
HK$36,780
baseline
▲ 0.50% · 4.625%
HK$38,719
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,560/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,328
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,583
−HK$1,274/mo
Today · 4.125%
HK$42,857
baseline
▲ 0.50% · 4.625%
HK$45,465
+HK$2,608/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$85,714/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,865
−HK$2,424/mo
▼ 0.25% · 3.875%
HK$46,068
−HK$1,221/mo
Today · 4.125%
HK$47,289
baseline
▲ 0.50% · 4.625%
HK$49,781
+HK$2,492/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$94,578/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,545 · 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).