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$22,448
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,146
−HK$710/mo
Today · 4.125%
HK$23,856
baseline
▲ 0.50% · 4.625%
HK$25,307
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,712/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,973
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,643
−HK$680/mo
Today · 4.125%
HK$26,323
baseline
▲ 0.50% · 4.625%
HK$27,710
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,646/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,938
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,776
−HK$851/mo
Today · 4.125%
HK$28,627
baseline
▲ 0.50% · 4.625%
HK$30,369
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,254/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,968
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,772
−HK$815/mo
Today · 4.125%
HK$31,587
baseline
▲ 0.50% · 4.625%
HK$33,252
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,174/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,427
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,405
−HK$993/mo
Today · 4.125%
HK$33,398
baseline
▲ 0.50% · 4.625%
HK$35,430
+HK$2,032/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,796/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,963
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,900
−HK$952/mo
Today · 4.125%
HK$36,852
baseline
▲ 0.50% · 4.625%
HK$38,794
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,704/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,407
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,664
−HK$1,277/mo
Today · 4.125%
HK$42,941
baseline
▲ 0.50% · 4.625%
HK$45,553
+HK$2,612/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,882/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,952
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,158
−HK$1,223/mo
Today · 4.125%
HK$47,381
baseline
▲ 0.50% · 4.625%
HK$49,878
+HK$2,497/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,762/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,460 · 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).