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$22,446
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,145
−HK$709/mo
Today · 4.125%
HK$23,854
baseline
▲ 0.50% · 4.625%
HK$25,305
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,708/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,971
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,641
−HK$680/mo
Today · 4.125%
HK$26,321
baseline
▲ 0.50% · 4.625%
HK$27,708
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,642/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,936
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,774
−HK$851/mo
Today · 4.125%
HK$28,625
baseline
▲ 0.50% · 4.625%
HK$30,367
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,250/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,966
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,769
−HK$816/mo
Today · 4.125%
HK$31,585
baseline
▲ 0.50% · 4.625%
HK$33,250
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,170/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,425
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,402
−HK$994/mo
Today · 4.125%
HK$33,396
baseline
▲ 0.50% · 4.625%
HK$35,428
+HK$2,032/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,792/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,960
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,898
−HK$951/mo
Today · 4.125%
HK$36,849
baseline
▲ 0.50% · 4.625%
HK$38,791
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,698/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,404
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,660
−HK$1,277/mo
Today · 4.125%
HK$42,937
baseline
▲ 0.50% · 4.625%
HK$45,550
+HK$2,613/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,874/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,949
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,154
−HK$1,223/mo
Today · 4.125%
HK$47,377
baseline
▲ 0.50% · 4.625%
HK$49,874
+HK$2,497/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,754/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,382 · 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).