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$22,464
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,163
−HK$710/mo
Today · 4.125%
HK$23,873
baseline
▲ 0.50% · 4.625%
HK$25,325
+HK$1,452/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,746/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,991
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,661
−HK$680/mo
Today · 4.125%
HK$26,341
baseline
▲ 0.50% · 4.625%
HK$27,730
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,682/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,957
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,795
−HK$852/mo
Today · 4.125%
HK$28,647
baseline
▲ 0.50% · 4.625%
HK$30,391
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,294/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,989
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,794
−HK$816/mo
Today · 4.125%
HK$31,610
baseline
▲ 0.50% · 4.625%
HK$33,276
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,220/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,450
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,428
−HK$994/mo
Today · 4.125%
HK$33,422
baseline
▲ 0.50% · 4.625%
HK$35,456
+HK$2,034/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,844/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,988
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,926
−HK$952/mo
Today · 4.125%
HK$36,878
baseline
▲ 0.50% · 4.625%
HK$38,822
+HK$1,944/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,756/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,435
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,693
−HK$1,278/mo
Today · 4.125%
HK$42,971
baseline
▲ 0.50% · 4.625%
HK$45,586
+HK$2,615/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,942/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,984
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,190
−HK$1,224/mo
Today · 4.125%
HK$47,414
baseline
▲ 0.50% · 4.625%
HK$49,914
+HK$2,500/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,828/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,159 · 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).