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$22,467
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,166
−HK$710/mo
Today · 4.125%
HK$23,876
baseline
▲ 0.50% · 4.625%
HK$25,329
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,752/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,292 · 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$355,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,961
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,799
−HK$852/mo
Today · 4.125%
HK$28,651
baseline
▲ 0.50% · 4.625%
HK$30,395
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,302/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,993
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,798
−HK$816/mo
Today · 4.125%
HK$31,614
baseline
▲ 0.50% · 4.625%
HK$33,280
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,228/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,454
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,432
−HK$994/mo
Today · 4.125%
HK$33,426
baseline
▲ 0.50% · 4.625%
HK$35,460
+HK$2,034/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,852/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,992
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,931
−HK$952/mo
Today · 4.125%
HK$36,883
baseline
▲ 0.50% · 4.625%
HK$38,827
+HK$1,944/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,766/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,441
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,699
−HK$1,278/mo
Today · 4.125%
HK$42,977
baseline
▲ 0.50% · 4.625%
HK$45,592
+HK$2,615/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,954/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,990
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,197
−HK$1,224/mo
Today · 4.125%
HK$47,421
baseline
▲ 0.50% · 4.625%
HK$49,920
+HK$2,499/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,842/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,292 · 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).