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$22,483
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,182
−HK$710/mo
Today · 4.125%
HK$23,892
baseline
▲ 0.50% · 4.625%
HK$25,346
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,784/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,012
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,682
−HK$681/mo
Today · 4.125%
HK$26,363
baseline
▲ 0.50% · 4.625%
HK$27,752
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,726/mo (50% DSR)
Upfront cash ≈ HK$5.29M (deposit + AVD stamp duty HK$355,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,979
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,818
−HK$853/mo
Today · 4.125%
HK$28,671
baseline
▲ 0.50% · 4.625%
HK$30,415
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$57,342/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,014
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,819
−HK$816/mo
Today · 4.125%
HK$31,635
baseline
▲ 0.50% · 4.625%
HK$33,303
+HK$1,668/mo
Deposit HK$3.94M · loan HK$5.92M · min. income ≈ HK$63,270/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,476
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,455
−HK$994/mo
Today · 4.125%
HK$33,449
baseline
▲ 0.50% · 4.625%
HK$35,485
+HK$2,036/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,898/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,016
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,955
−HK$953/mo
Today · 4.125%
HK$36,908
baseline
▲ 0.50% · 4.625%
HK$38,853
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,816/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,469
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,727
−HK$1,279/mo
Today · 4.125%
HK$43,006
baseline
▲ 0.50% · 4.625%
HK$45,623
+HK$2,617/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$86,012/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,021
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,228
−HK$1,225/mo
Today · 4.125%
HK$47,453
baseline
▲ 0.50% · 4.625%
HK$49,954
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,906/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,965 · 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).