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$22,475
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$23,175
−HK$710/mo
Today · 4.125%
HK$23,885
baseline
▲ 0.50% · 4.625%
HK$25,338
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,770/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,004
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,674
−HK$681/mo
Today · 4.125%
HK$26,355
baseline
▲ 0.50% · 4.625%
HK$27,744
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,710/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,971
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,809
−HK$853/mo
Today · 4.125%
HK$28,662
baseline
▲ 0.50% · 4.625%
HK$30,406
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,324/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,004
−HK$1,622/mo
▼ 0.25% · 3.875%
HK$30,809
−HK$817/mo
Today · 4.125%
HK$31,626
baseline
▲ 0.50% · 4.625%
HK$33,293
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,252/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,466
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,444
−HK$995/mo
Today · 4.125%
HK$33,439
baseline
▲ 0.50% · 4.625%
HK$35,473
+HK$2,034/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,878/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,005
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,944
−HK$952/mo
Today · 4.125%
HK$36,896
baseline
▲ 0.50% · 4.625%
HK$38,841
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,792/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,456
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,714
−HK$1,279/mo
Today · 4.125%
HK$42,993
baseline
▲ 0.50% · 4.625%
HK$45,609
+HK$2,616/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$85,986/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,007
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,214
−HK$1,224/mo
Today · 4.125%
HK$47,438
baseline
▲ 0.50% · 4.625%
HK$49,939
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,876/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,655 · 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).