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$22,454
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,152
−HK$710/mo
Today · 4.125%
HK$23,862
baseline
▲ 0.50% · 4.625%
HK$25,314
+HK$1,452/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,724/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,980
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,650
−HK$679/mo
Today · 4.125%
HK$26,329
baseline
▲ 0.50% · 4.625%
HK$27,717
+HK$1,388/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,658/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,945
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,783
−HK$851/mo
Today · 4.125%
HK$28,634
baseline
▲ 0.50% · 4.625%
HK$30,377
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,268/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,976
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,779
−HK$816/mo
Today · 4.125%
HK$31,595
baseline
▲ 0.50% · 4.625%
HK$33,260
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,190/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,435
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,413
−HK$994/mo
Today · 4.125%
HK$33,407
baseline
▲ 0.50% · 4.625%
HK$35,439
+HK$2,032/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,814/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,971
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,909
−HK$952/mo
Today · 4.125%
HK$36,861
baseline
▲ 0.50% · 4.625%
HK$38,804
+HK$1,943/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,722/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,417
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,674
−HK$1,277/mo
Today · 4.125%
HK$42,951
baseline
▲ 0.50% · 4.625%
HK$45,565
+HK$2,614/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$85,902/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,963
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,169
−HK$1,224/mo
Today · 4.125%
HK$47,393
baseline
▲ 0.50% · 4.625%
HK$49,891
+HK$2,498/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$94,786/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,705 · 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).