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$22,470
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,169
−HK$710/mo
Today · 4.125%
HK$23,879
baseline
▲ 0.50% · 4.625%
HK$25,332
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,758/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,998
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,668
−HK$680/mo
Today · 4.125%
HK$26,348
baseline
▲ 0.50% · 4.625%
HK$27,737
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,696/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,964
−HK$1,691/mo
▼ 0.25% · 3.875%
HK$27,803
−HK$852/mo
Today · 4.125%
HK$28,655
baseline
▲ 0.50% · 4.625%
HK$30,398
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,310/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,997
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,802
−HK$816/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,284
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,236/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,458
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,437
−HK$994/mo
Today · 4.125%
HK$33,431
baseline
▲ 0.50% · 4.625%
HK$35,465
+HK$2,034/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,862/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,997
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,935
−HK$952/mo
Today · 4.125%
HK$36,887
baseline
▲ 0.50% · 4.625%
HK$38,832
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,774/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,446
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,704
−HK$1,278/mo
Today · 4.125%
HK$42,982
baseline
▲ 0.50% · 4.625%
HK$45,598
+HK$2,616/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,964/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,996
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,203
−HK$1,224/mo
Today · 4.125%
HK$47,427
baseline
▲ 0.50% · 4.625%
HK$49,927
+HK$2,500/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,854/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,415 · 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).