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$22,459
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,158
−HK$710/mo
Today · 4.125%
HK$23,868
baseline
▲ 0.50% · 4.625%
HK$25,320
+HK$1,452/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,736/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,986
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,656
−HK$680/mo
Today · 4.125%
HK$26,336
baseline
▲ 0.50% · 4.625%
HK$27,724
+HK$1,388/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,672/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,951
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,789
−HK$852/mo
Today · 4.125%
HK$28,641
baseline
▲ 0.50% · 4.625%
HK$30,384
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,282/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,983
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,787
−HK$816/mo
Today · 4.125%
HK$31,603
baseline
▲ 0.50% · 4.625%
HK$33,269
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,206/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,443
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,421
−HK$994/mo
Today · 4.125%
HK$33,415
baseline
▲ 0.50% · 4.625%
HK$35,448
+HK$2,033/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,830/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,980
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,918
−HK$952/mo
Today · 4.125%
HK$36,870
baseline
▲ 0.50% · 4.625%
HK$38,813
+HK$1,943/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,740/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,427
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,684
−HK$1,278/mo
Today · 4.125%
HK$42,962
baseline
▲ 0.50% · 4.625%
HK$45,576
+HK$2,614/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$85,924/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,974
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,180
−HK$1,224/mo
Today · 4.125%
HK$47,404
baseline
▲ 0.50% · 4.625%
HK$49,903
+HK$2,499/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$94,808/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,944 · 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).