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$22,467
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,165
−HK$710/mo
Today · 4.125%
HK$23,875
baseline
▲ 0.50% · 4.625%
HK$25,328
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,750/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,994
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,664
−HK$680/mo
Today · 4.125%
HK$26,344
baseline
▲ 0.50% · 4.625%
HK$27,733
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,688/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,960
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,798
−HK$852/mo
Today · 4.125%
HK$28,650
baseline
▲ 0.50% · 4.625%
HK$30,394
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,300/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,993
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,797
−HK$816/mo
Today · 4.125%
HK$31,613
baseline
▲ 0.50% · 4.625%
HK$33,279
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,226/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,453
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,432
−HK$994/mo
Today · 4.125%
HK$33,426
baseline
▲ 0.50% · 4.625%
HK$35,459
+HK$2,033/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,852/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,991
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,930
−HK$952/mo
Today · 4.125%
HK$36,882
baseline
▲ 0.50% · 4.625%
HK$38,826
+HK$1,944/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,764/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,440
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,698
−HK$1,278/mo
Today · 4.125%
HK$42,976
baseline
▲ 0.50% · 4.625%
HK$45,591
+HK$2,615/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,952/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,989
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,195
−HK$1,224/mo
Today · 4.125%
HK$47,419
baseline
▲ 0.50% · 4.625%
HK$49,919
+HK$2,500/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,838/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,263 · 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).