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$22,460
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,159
−HK$710/mo
Today · 4.125%
HK$23,869
baseline
▲ 0.50% · 4.625%
HK$25,321
+HK$1,452/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,738/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,987
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,657
−HK$680/mo
Today · 4.125%
HK$26,337
baseline
▲ 0.50% · 4.625%
HK$27,725
+HK$1,388/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,674/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,952
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,791
−HK$851/mo
Today · 4.125%
HK$28,642
baseline
▲ 0.50% · 4.625%
HK$30,385
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,284/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,984
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,788
−HK$816/mo
Today · 4.125%
HK$31,604
baseline
▲ 0.50% · 4.625%
HK$33,270
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,208/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,444
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,422
−HK$994/mo
Today · 4.125%
HK$33,416
baseline
▲ 0.50% · 4.625%
HK$35,449
+HK$2,033/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,832/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,981
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,920
−HK$951/mo
Today · 4.125%
HK$36,871
baseline
▲ 0.50% · 4.625%
HK$38,815
+HK$1,944/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,742/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,428
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,686
−HK$1,278/mo
Today · 4.125%
HK$42,964
baseline
▲ 0.50% · 4.625%
HK$45,578
+HK$2,614/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$85,928/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,976
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,182
−HK$1,224/mo
Today · 4.125%
HK$47,406
baseline
▲ 0.50% · 4.625%
HK$49,905
+HK$2,499/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$94,812/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,987 · 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).