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$1,409/mo
▼ 0.25% · 3.875%
HK$23,157
−HK$710/mo
Today · 4.125%
HK$23,867
baseline
▲ 0.50% · 4.625%
HK$25,319
+HK$1,452/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,734/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,985
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,655
−HK$679/mo
Today · 4.125%
HK$26,334
baseline
▲ 0.50% · 4.625%
HK$27,723
+HK$1,389/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$354,904 · 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$30,383
+HK$1,743/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$354,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,982
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,786
−HK$815/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$354,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,442
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,420
−HK$993/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$354,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,979
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,917
−HK$951/mo
Today · 4.125%
HK$36,868
baseline
▲ 0.50% · 4.625%
HK$38,812
+HK$1,944/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$354,904 · 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$354,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,972
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,179
−HK$1,223/mo
Today · 4.125%
HK$47,402
baseline
▲ 0.50% · 4.625%
HK$49,901
+HK$2,499/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$354,904 · 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).