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$22,390
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$23,086
−HK$708/mo
Today · 4.125%
HK$23,794
baseline
▲ 0.50% · 4.625%
HK$25,241
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,588/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,908
−HK$1,346/mo
▼ 0.25% · 3.875%
HK$25,576
−HK$678/mo
Today · 4.125%
HK$26,254
baseline
▲ 0.50% · 4.625%
HK$27,638
+HK$1,384/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,508/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,868
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,703
−HK$849/mo
Today · 4.125%
HK$28,552
baseline
▲ 0.50% · 4.625%
HK$30,290
+HK$1,738/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$57,104/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,890
−HK$1,615/mo
▼ 0.25% · 3.875%
HK$30,691
−HK$814/mo
Today · 4.125%
HK$31,505
baseline
▲ 0.50% · 4.625%
HK$33,165
+HK$1,660/mo
Deposit HK$3.93M · loan HK$5.89M · min. income ≈ HK$63,010/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,345
−HK$1,966/mo
▼ 0.25% · 3.875%
HK$32,320
−HK$991/mo
Today · 4.125%
HK$33,311
baseline
▲ 0.50% · 4.625%
HK$35,338
+HK$2,027/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$66,622/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,871
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$35,807
−HK$948/mo
Today · 4.125%
HK$36,755
baseline
▲ 0.50% · 4.625%
HK$38,693
+HK$1,938/mo
Deposit HK$2.95M · loan HK$6.87M · min. income ≈ HK$73,510/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$351,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,301
−HK$2,528/mo
▼ 0.25% · 3.875%
HK$41,555
−HK$1,274/mo
Today · 4.125%
HK$42,829
baseline
▲ 0.50% · 4.625%
HK$45,435
+HK$2,606/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$85,658/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,835
−HK$2,422/mo
▼ 0.25% · 3.875%
HK$46,037
−HK$1,220/mo
Today · 4.125%
HK$47,257
baseline
▲ 0.50% · 4.625%
HK$49,748
+HK$2,491/mo
Deposit HK$982K · loan HK$8.84M · min. income ≈ HK$94,514/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,890 · 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).