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$23,162
−HK$709/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$355,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,990
−HK$1,350/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$355,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,955
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,794
−HK$852/mo
Today · 4.125%
HK$28,646
baseline
▲ 0.50% · 4.625%
HK$30,389
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,292/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,988
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,792
−HK$816/mo
Today · 4.125%
HK$31,608
baseline
▲ 0.50% · 4.625%
HK$33,274
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,216/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,100 · 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$355,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,985
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,924
−HK$952/mo
Today · 4.125%
HK$36,876
baseline
▲ 0.50% · 4.625%
HK$38,819
+HK$1,943/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,752/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,433
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,691
−HK$1,278/mo
Today · 4.125%
HK$42,969
baseline
▲ 0.50% · 4.625%
HK$45,583
+HK$2,614/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,938/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,981
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,188
−HK$1,224/mo
Today · 4.125%
HK$47,412
baseline
▲ 0.50% · 4.625%
HK$49,911
+HK$2,499/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,824/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,100 · 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).