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$22,471
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,170
−HK$710/mo
Today · 4.125%
HK$23,880
baseline
▲ 0.50% · 4.625%
HK$25,333
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,760/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,998
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,669
−HK$680/mo
Today · 4.125%
HK$26,349
baseline
▲ 0.50% · 4.625%
HK$27,738
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,698/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,965
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,804
−HK$852/mo
Today · 4.125%
HK$28,656
baseline
▲ 0.50% · 4.625%
HK$30,399
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,312/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,998
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,803
−HK$816/mo
Today · 4.125%
HK$31,619
baseline
▲ 0.50% · 4.625%
HK$33,285
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,238/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,459
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,438
−HK$994/mo
Today · 4.125%
HK$33,432
baseline
▲ 0.50% · 4.625%
HK$35,466
+HK$2,034/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,864/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,998
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,936
−HK$953/mo
Today · 4.125%
HK$36,889
baseline
▲ 0.50% · 4.625%
HK$38,833
+HK$1,944/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,778/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,447
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,705
−HK$1,279/mo
Today · 4.125%
HK$42,984
baseline
▲ 0.50% · 4.625%
HK$45,599
+HK$2,615/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,968/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,997
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,204
−HK$1,224/mo
Today · 4.125%
HK$47,428
baseline
▲ 0.50% · 4.625%
HK$49,928
+HK$2,500/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,856/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,447 · 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).