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$22,372
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$23,068
−HK$707/mo
Today · 4.125%
HK$23,775
baseline
▲ 0.50% · 4.625%
HK$25,222
+HK$1,447/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$47,550/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,889
−HK$1,344/mo
▼ 0.25% · 3.875%
HK$25,556
−HK$677/mo
Today · 4.125%
HK$26,233
baseline
▲ 0.50% · 4.625%
HK$27,616
+HK$1,383/mo
Deposit HK$4.91M · loan HK$4.91M · min. income ≈ HK$52,466/mo (50% DSR)
Upfront cash ≈ HK$5.26M (deposit + AVD stamp duty HK$351,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,846
−HK$1,684/mo
▼ 0.25% · 3.875%
HK$27,681
−HK$849/mo
Today · 4.125%
HK$28,530
baseline
▲ 0.50% · 4.625%
HK$30,266
+HK$1,736/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$57,060/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,866
−HK$1,614/mo
▼ 0.25% · 3.875%
HK$30,667
−HK$813/mo
Today · 4.125%
HK$31,480
baseline
▲ 0.50% · 4.625%
HK$33,139
+HK$1,659/mo
Deposit HK$3.92M · loan HK$5.89M · min. income ≈ HK$62,960/mo (50% DSR)
Upfront cash ≈ HK$4.28M (deposit + AVD stamp duty HK$351,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,321
−HK$1,964/mo
▼ 0.25% · 3.875%
HK$32,295
−HK$990/mo
Today · 4.125%
HK$33,285
baseline
▲ 0.50% · 4.625%
HK$35,310
+HK$2,025/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$66,570/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,844
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$35,779
−HK$948/mo
Today · 4.125%
HK$36,727
baseline
▲ 0.50% · 4.625%
HK$38,662
+HK$1,935/mo
Deposit HK$2.94M · loan HK$6.87M · min. income ≈ HK$73,454/mo (50% DSR)
Upfront cash ≈ HK$3.29M (deposit + AVD stamp duty HK$351,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,270
−HK$2,525/mo
▼ 0.25% · 3.875%
HK$41,522
−HK$1,273/mo
Today · 4.125%
HK$42,795
baseline
▲ 0.50% · 4.625%
HK$45,399
+HK$2,604/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$85,590/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,800
−HK$2,420/mo
▼ 0.25% · 3.875%
HK$46,001
−HK$1,219/mo
Today · 4.125%
HK$47,220
baseline
▲ 0.50% · 4.625%
HK$49,709
+HK$2,489/mo
Deposit HK$981K · loan HK$8.83M · min. income ≈ HK$94,440/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$351,118 · 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).