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$22,465
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,164
−HK$710/mo
Today · 4.125%
HK$23,874
baseline
▲ 0.50% · 4.625%
HK$25,327
+HK$1,453/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,748/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,993
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,663
−HK$680/mo
Today · 4.125%
HK$26,343
baseline
▲ 0.50% · 4.625%
HK$27,731
+HK$1,388/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,686/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,959
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,797
−HK$852/mo
Today · 4.125%
HK$28,649
baseline
▲ 0.50% · 4.625%
HK$30,392
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,298/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,991
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,795
−HK$816/mo
Today · 4.125%
HK$31,611
baseline
▲ 0.50% · 4.625%
HK$33,278
+HK$1,667/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,222/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,452
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,430
−HK$994/mo
Today · 4.125%
HK$33,424
baseline
▲ 0.50% · 4.625%
HK$35,458
+HK$2,034/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,848/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,990
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,928
−HK$952/mo
Today · 4.125%
HK$36,880
baseline
▲ 0.50% · 4.625%
HK$38,824
+HK$1,944/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,760/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,438
−HK$2,536/mo
▼ 0.25% · 3.875%
HK$41,696
−HK$1,278/mo
Today · 4.125%
HK$42,974
baseline
▲ 0.50% · 4.625%
HK$45,589
+HK$2,615/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,948/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,987
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,193
−HK$1,224/mo
Today · 4.125%
HK$47,417
baseline
▲ 0.50% · 4.625%
HK$49,917
+HK$2,500/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,834/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,218 · 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).