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$22,472
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,171
−HK$710/mo
Today · 4.125%
HK$23,881
baseline
▲ 0.50% · 4.625%
HK$25,334
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,762/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,999
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,670
−HK$680/mo
Today · 4.125%
HK$26,350
baseline
▲ 0.50% · 4.625%
HK$27,739
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,700/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,966
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,805
−HK$852/mo
Today · 4.125%
HK$28,657
baseline
▲ 0.50% · 4.625%
HK$30,401
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,314/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,999
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,804
−HK$816/mo
Today · 4.125%
HK$31,620
baseline
▲ 0.50% · 4.625%
HK$33,287
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,240/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,460
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,439
−HK$994/mo
Today · 4.125%
HK$33,433
baseline
▲ 0.50% · 4.625%
HK$35,467
+HK$2,034/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,866/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,999
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,938
−HK$952/mo
Today · 4.125%
HK$36,890
baseline
▲ 0.50% · 4.625%
HK$38,835
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,780/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,449
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,707
−HK$1,278/mo
Today · 4.125%
HK$42,985
baseline
▲ 0.50% · 4.625%
HK$45,601
+HK$2,616/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,970/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,999
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,206
−HK$1,224/mo
Today · 4.125%
HK$47,430
baseline
▲ 0.50% · 4.625%
HK$49,930
+HK$2,500/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,860/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,487 · 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).