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$352,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,929
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,597
−HK$679/mo
Today · 4.125%
HK$26,276
baseline
▲ 0.50% · 4.625%
HK$27,661
+HK$1,385/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,552/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$352,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,890
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,726
−HK$850/mo
Today · 4.125%
HK$28,576
baseline
▲ 0.50% · 4.625%
HK$30,315
+HK$1,739/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$352,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,915
−HK$1,616/mo
▼ 0.25% · 3.875%
HK$30,717
−HK$814/mo
Today · 4.125%
HK$31,531
baseline
▲ 0.50% · 4.625%
HK$33,193
+HK$1,662/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,062/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$352,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,371
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,347
−HK$992/mo
Today · 4.125%
HK$33,339
baseline
▲ 0.50% · 4.625%
HK$35,367
+HK$2,028/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,678/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,900
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,836
−HK$950/mo
Today · 4.125%
HK$36,786
baseline
▲ 0.50% · 4.625%
HK$38,725
+HK$1,939/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,572/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$352,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,335
−HK$2,529/mo
▼ 0.25% · 3.875%
HK$41,589
−HK$1,275/mo
Today · 4.125%
HK$42,864
baseline
▲ 0.50% · 4.625%
HK$45,472
+HK$2,608/mo
Deposit HK$983K · loan HK$8.84M · min. income ≈ HK$85,728/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$352,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,872
−HK$2,424/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$352,703 · 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).