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$22,444
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,142
−HK$709/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,303
+HK$1,452/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,702/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,969
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,638
−HK$680/mo
Today · 4.125%
HK$26,318
baseline
▲ 0.50% · 4.625%
HK$27,705
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,636/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,933
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,770
−HK$852/mo
Today · 4.125%
HK$28,622
baseline
▲ 0.50% · 4.625%
HK$30,363
+HK$1,741/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,244/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,962
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,766
−HK$815/mo
Today · 4.125%
HK$31,581
baseline
▲ 0.50% · 4.625%
HK$33,246
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,162/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,421
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,399
−HK$993/mo
Today · 4.125%
HK$33,392
baseline
▲ 0.50% · 4.625%
HK$35,424
+HK$2,032/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,784/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,956
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,893
−HK$952/mo
Today · 4.125%
HK$36,845
baseline
▲ 0.50% · 4.625%
HK$38,787
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,690/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,399
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,656
−HK$1,276/mo
Today · 4.125%
HK$42,932
baseline
▲ 0.50% · 4.625%
HK$45,545
+HK$2,613/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,864/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,943
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,149
−HK$1,223/mo
Today · 4.125%
HK$47,372
baseline
▲ 0.50% · 4.625%
HK$49,869
+HK$2,497/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,744/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,270 · 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).