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$355,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,999
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,669
−HK$681/mo
Today · 4.125%
HK$26,350
baseline
▲ 0.50% · 4.625%
HK$27,739
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,700/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,469 · 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$30,400
+HK$1,744/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$355,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,999
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,803
−HK$817/mo
Today · 4.125%
HK$31,620
baseline
▲ 0.50% · 4.625%
HK$33,286
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,240/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,460
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,438
−HK$995/mo
Today · 4.125%
HK$33,433
baseline
▲ 0.50% · 4.625%
HK$35,467
+HK$2,034/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,866/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,999
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,937
−HK$952/mo
Today · 4.125%
HK$36,889
baseline
▲ 0.50% · 4.625%
HK$38,834
+HK$1,945/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$355,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,448
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,706
−HK$1,279/mo
Today · 4.125%
HK$42,985
baseline
▲ 0.50% · 4.625%
HK$45,600
+HK$2,615/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,970/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,998
−HK$2,431/mo
▼ 0.25% · 3.875%
HK$46,205
−HK$1,224/mo
Today · 4.125%
HK$47,429
baseline
▲ 0.50% · 4.625%
HK$49,929
+HK$2,500/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,858/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,469 · 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).