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$22,461
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,160
−HK$710/mo
Today · 4.125%
HK$23,870
baseline
▲ 0.50% · 4.625%
HK$25,322
+HK$1,452/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,740/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,988
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,658
−HK$680/mo
Today · 4.125%
HK$26,338
baseline
▲ 0.50% · 4.625%
HK$27,726
+HK$1,388/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,676/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,953
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,792
−HK$852/mo
Today · 4.125%
HK$28,644
baseline
▲ 0.50% · 4.625%
HK$30,387
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,288/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,985
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,790
−HK$816/mo
Today · 4.125%
HK$31,606
baseline
▲ 0.50% · 4.625%
HK$33,271
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,212/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,446
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,424
−HK$994/mo
Today · 4.125%
HK$33,418
baseline
▲ 0.50% · 4.625%
HK$35,451
+HK$2,033/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,836/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,983
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,921
−HK$952/mo
Today · 4.125%
HK$36,873
baseline
▲ 0.50% · 4.625%
HK$38,817
+HK$1,944/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,746/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,430
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,688
−HK$1,278/mo
Today · 4.125%
HK$42,966
baseline
▲ 0.50% · 4.625%
HK$45,580
+HK$2,614/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,932/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,978
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,185
−HK$1,223/mo
Today · 4.125%
HK$47,408
baseline
▲ 0.50% · 4.625%
HK$49,907
+HK$2,499/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,816/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,032 · 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).