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$22,463
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,161
−HK$710/mo
Today · 4.125%
HK$23,871
baseline
▲ 0.50% · 4.625%
HK$25,324
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,742/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,989
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,660
−HK$680/mo
Today · 4.125%
HK$26,340
baseline
▲ 0.50% · 4.625%
HK$27,728
+HK$1,388/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,680/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,955
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,794
−HK$851/mo
Today · 4.125%
HK$28,645
baseline
▲ 0.50% · 4.625%
HK$30,388
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,290/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,987
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,792
−HK$815/mo
Today · 4.125%
HK$31,607
baseline
▲ 0.50% · 4.625%
HK$33,273
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,214/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,448
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,426
−HK$994/mo
Today · 4.125%
HK$33,420
baseline
▲ 0.50% · 4.625%
HK$35,453
+HK$2,033/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,840/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,985
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,923
−HK$952/mo
Today · 4.125%
HK$36,875
baseline
▲ 0.50% · 4.625%
HK$38,819
+HK$1,944/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,750/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,433
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,690
−HK$1,278/mo
Today · 4.125%
HK$42,968
baseline
▲ 0.50% · 4.625%
HK$45,583
+HK$2,615/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,936/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,981
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,187
−HK$1,224/mo
Today · 4.125%
HK$47,411
baseline
▲ 0.50% · 4.625%
HK$49,910
+HK$2,499/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,822/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,091 · 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).