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$22,449
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,147
−HK$710/mo
Today · 4.125%
HK$23,857
baseline
▲ 0.50% · 4.625%
HK$25,308
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,714/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,974
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,644
−HK$680/mo
Today · 4.125%
HK$26,324
baseline
▲ 0.50% · 4.625%
HK$27,711
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,648/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,939
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,777
−HK$851/mo
Today · 4.125%
HK$28,628
baseline
▲ 0.50% · 4.625%
HK$30,370
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,256/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,969
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,773
−HK$815/mo
Today · 4.125%
HK$31,588
baseline
▲ 0.50% · 4.625%
HK$33,253
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,176/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,429
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,406
−HK$993/mo
Today · 4.125%
HK$33,399
baseline
▲ 0.50% · 4.625%
HK$35,432
+HK$2,033/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,798/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,964
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,902
−HK$951/mo
Today · 4.125%
HK$36,853
baseline
▲ 0.50% · 4.625%
HK$38,796
+HK$1,943/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,706/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,408
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,665
−HK$1,277/mo
Today · 4.125%
HK$42,942
baseline
▲ 0.50% · 4.625%
HK$45,555
+HK$2,613/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,884/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,954
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,159
−HK$1,223/mo
Today · 4.125%
HK$47,382
baseline
▲ 0.50% · 4.625%
HK$49,880
+HK$2,498/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,764/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,493 · 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).