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$22,458
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,157
−HK$709/mo
Today · 4.125%
HK$23,866
baseline
▲ 0.50% · 4.625%
HK$25,319
+HK$1,453/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,732/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,984
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,655
−HK$679/mo
Today · 4.125%
HK$26,334
baseline
▲ 0.50% · 4.625%
HK$27,722
+HK$1,388/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,668/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,950
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,788
−HK$852/mo
Today · 4.125%
HK$28,640
baseline
▲ 0.50% · 4.625%
HK$30,382
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,280/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,981
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,785
−HK$816/mo
Today · 4.125%
HK$31,601
baseline
▲ 0.50% · 4.625%
HK$33,267
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,202/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,441
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,419
−HK$994/mo
Today · 4.125%
HK$33,413
baseline
▲ 0.50% · 4.625%
HK$35,446
+HK$2,033/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,826/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,978
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,916
−HK$952/mo
Today · 4.125%
HK$36,868
baseline
▲ 0.50% · 4.625%
HK$38,811
+HK$1,943/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,736/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,425
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,682
−HK$1,278/mo
Today · 4.125%
HK$42,960
baseline
▲ 0.50% · 4.625%
HK$45,574
+HK$2,614/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$85,920/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,972
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,178
−HK$1,224/mo
Today · 4.125%
HK$47,402
baseline
▲ 0.50% · 4.625%
HK$49,900
+HK$2,498/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$94,804/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,897 · 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).