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$22,468
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,167
−HK$710/mo
Today · 4.125%
HK$23,877
baseline
▲ 0.50% · 4.625%
HK$25,329
+HK$1,452/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,754/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,995
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,665
−HK$680/mo
Today · 4.125%
HK$26,345
baseline
▲ 0.50% · 4.625%
HK$27,734
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,690/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,961
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,800
−HK$852/mo
Today · 4.125%
HK$28,652
baseline
▲ 0.50% · 4.625%
HK$30,395
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,304/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,994
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,799
−HK$816/mo
Today · 4.125%
HK$31,615
baseline
▲ 0.50% · 4.625%
HK$33,281
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,230/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,455
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,433
−HK$994/mo
Today · 4.125%
HK$33,427
baseline
▲ 0.50% · 4.625%
HK$35,461
+HK$2,034/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,854/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,993
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,932
−HK$952/mo
Today · 4.125%
HK$36,884
baseline
▲ 0.50% · 4.625%
HK$38,828
+HK$1,944/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,768/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,442
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,700
−HK$1,278/mo
Today · 4.125%
HK$42,978
baseline
▲ 0.50% · 4.625%
HK$45,593
+HK$2,615/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,956/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,991
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,198
−HK$1,224/mo
Today · 4.125%
HK$47,422
baseline
▲ 0.50% · 4.625%
HK$49,922
+HK$2,500/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,844/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,314 · 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).