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$1,409/mo
▼ 0.25% · 3.875%
HK$23,174
−HK$710/mo
Today · 4.125%
HK$23,884
baseline
▲ 0.50% · 4.625%
HK$25,338
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,768/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,003
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,674
−HK$680/mo
Today · 4.125%
HK$26,354
baseline
▲ 0.50% · 4.625%
HK$27,743
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,708/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,970
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,809
−HK$852/mo
Today · 4.125%
HK$28,661
baseline
▲ 0.50% · 4.625%
HK$30,405
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,322/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,004
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,809
−HK$816/mo
Today · 4.125%
HK$31,625
baseline
▲ 0.50% · 4.625%
HK$33,292
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,250/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,465
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,444
−HK$994/mo
Today · 4.125%
HK$33,438
baseline
▲ 0.50% · 4.625%
HK$35,473
+HK$2,035/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,876/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,005
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,943
−HK$953/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$355,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,455
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,713
−HK$1,279/mo
Today · 4.125%
HK$42,992
baseline
▲ 0.50% · 4.625%
HK$45,608
+HK$2,616/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$85,984/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,006
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,213
−HK$1,224/mo
Today · 4.125%
HK$47,437
baseline
▲ 0.50% · 4.625%
HK$49,938
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,874/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,637 · 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).