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$22,379
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,075
−HK$708/mo
Today · 4.125%
HK$23,783
baseline
▲ 0.50% · 4.625%
HK$25,230
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,566/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,897
−HK$1,345/mo
▼ 0.25% · 3.875%
HK$25,564
−HK$678/mo
Today · 4.125%
HK$26,242
baseline
▲ 0.50% · 4.625%
HK$27,625
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,484/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,855
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,690
−HK$849/mo
Today · 4.125%
HK$28,539
baseline
▲ 0.50% · 4.625%
HK$30,276
+HK$1,737/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,078/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,876
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,677
−HK$813/mo
Today · 4.125%
HK$31,490
baseline
▲ 0.50% · 4.625%
HK$33,150
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$62,980/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,331
−HK$1,965/mo
▼ 0.25% · 3.875%
HK$32,305
−HK$991/mo
Today · 4.125%
HK$33,296
baseline
▲ 0.50% · 4.625%
HK$35,322
+HK$2,026/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,592/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,855
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,790
−HK$948/mo
Today · 4.125%
HK$36,738
baseline
▲ 0.50% · 4.625%
HK$38,675
+HK$1,937/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,476/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,283
−HK$2,526/mo
▼ 0.25% · 3.875%
HK$41,536
−HK$1,273/mo
Today · 4.125%
HK$42,809
baseline
▲ 0.50% · 4.625%
HK$45,413
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,618/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,814
−HK$2,421/mo
▼ 0.25% · 3.875%
HK$46,016
−HK$1,219/mo
Today · 4.125%
HK$47,235
baseline
▲ 0.50% · 4.625%
HK$49,725
+HK$2,490/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,470/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,433 · 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).