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$22,414
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,112
−HK$708/mo
Today · 4.125%
HK$23,820
baseline
▲ 0.50% · 4.625%
HK$25,269
+HK$1,449/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,640/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,936
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,605
−HK$678/mo
Today · 4.125%
HK$26,283
baseline
▲ 0.50% · 4.625%
HK$27,668
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,566/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,897
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,734
−HK$850/mo
Today · 4.125%
HK$28,584
baseline
▲ 0.50% · 4.625%
HK$30,323
+HK$1,739/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,168/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,923
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,725
−HK$815/mo
Today · 4.125%
HK$31,540
baseline
▲ 0.50% · 4.625%
HK$33,202
+HK$1,662/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,080/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,380
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,356
−HK$992/mo
Today · 4.125%
HK$33,348
baseline
▲ 0.50% · 4.625%
HK$35,377
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,696/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,910
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,846
−HK$950/mo
Today · 4.125%
HK$36,796
baseline
▲ 0.50% · 4.625%
HK$38,736
+HK$1,940/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,592/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,346
−HK$2,530/mo
▼ 0.25% · 3.875%
HK$41,601
−HK$1,275/mo
Today · 4.125%
HK$42,876
baseline
▲ 0.50% · 4.625%
HK$45,485
+HK$2,609/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,752/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,884
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,088
−HK$1,221/mo
Today · 4.125%
HK$47,309
baseline
▲ 0.50% · 4.625%
HK$49,803
+HK$2,494/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,618/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,977 · 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).