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$22,452
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,150
−HK$710/mo
Today · 4.125%
HK$23,860
baseline
▲ 0.50% · 4.625%
HK$25,312
+HK$1,452/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,720/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,978
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,647
−HK$680/mo
Today · 4.125%
HK$26,327
baseline
▲ 0.50% · 4.625%
HK$27,715
+HK$1,388/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,654/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,942
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,780
−HK$852/mo
Today · 4.125%
HK$28,632
baseline
▲ 0.50% · 4.625%
HK$30,374
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,264/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,973
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,777
−HK$815/mo
Today · 4.125%
HK$31,592
baseline
▲ 0.50% · 4.625%
HK$33,258
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,184/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,433
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,410
−HK$994/mo
Today · 4.125%
HK$33,404
baseline
▲ 0.50% · 4.625%
HK$35,436
+HK$2,032/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,808/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,969
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,906
−HK$952/mo
Today · 4.125%
HK$36,858
baseline
▲ 0.50% · 4.625%
HK$38,801
+HK$1,943/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,716/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,413
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,670
−HK$1,278/mo
Today · 4.125%
HK$42,948
baseline
▲ 0.50% · 4.625%
HK$45,561
+HK$2,613/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$85,896/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,960
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,165
−HK$1,224/mo
Today · 4.125%
HK$47,389
baseline
▲ 0.50% · 4.625%
HK$49,886
+HK$2,497/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$94,778/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,622 · 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).