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$22,450
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,148
−HK$710/mo
Today · 4.125%
HK$23,858
baseline
▲ 0.50% · 4.625%
HK$25,309
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,716/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,975
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,645
−HK$680/mo
Today · 4.125%
HK$26,325
baseline
▲ 0.50% · 4.625%
HK$27,712
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,650/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,940
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,778
−HK$851/mo
Today · 4.125%
HK$28,629
baseline
▲ 0.50% · 4.625%
HK$30,371
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,258/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,970
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,774
−HK$816/mo
Today · 4.125%
HK$31,590
baseline
▲ 0.50% · 4.625%
HK$33,255
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,180/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,430
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,407
−HK$994/mo
Today · 4.125%
HK$33,401
baseline
▲ 0.50% · 4.625%
HK$35,433
+HK$2,032/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,802/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,965
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,903
−HK$951/mo
Today · 4.125%
HK$36,854
baseline
▲ 0.50% · 4.625%
HK$38,797
+HK$1,943/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,708/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,410
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,667
−HK$1,277/mo
Today · 4.125%
HK$42,944
baseline
▲ 0.50% · 4.625%
HK$45,557
+HK$2,613/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$85,888/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,955
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,161
−HK$1,223/mo
Today · 4.125%
HK$47,384
baseline
▲ 0.50% · 4.625%
HK$49,882
+HK$2,498/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$94,768/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,533 · 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).