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$22,477
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,176
−HK$710/mo
Today · 4.125%
HK$23,886
baseline
▲ 0.50% · 4.625%
HK$25,340
+HK$1,454/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,772/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,005
−HK$1,351/mo
▼ 0.25% · 3.875%
HK$25,676
−HK$680/mo
Today · 4.125%
HK$26,356
baseline
▲ 0.50% · 4.625%
HK$27,745
+HK$1,389/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,712/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,972
−HK$1,692/mo
▼ 0.25% · 3.875%
HK$27,811
−HK$853/mo
Today · 4.125%
HK$28,664
baseline
▲ 0.50% · 4.625%
HK$30,408
+HK$1,744/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,328/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,006
−HK$1,621/mo
▼ 0.25% · 3.875%
HK$30,811
−HK$816/mo
Today · 4.125%
HK$31,627
baseline
▲ 0.50% · 4.625%
HK$33,295
+HK$1,668/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,254/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,468
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,446
−HK$995/mo
Today · 4.125%
HK$33,441
baseline
▲ 0.50% · 4.625%
HK$35,476
+HK$2,035/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,882/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,007
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,946
−HK$953/mo
Today · 4.125%
HK$36,899
baseline
▲ 0.50% · 4.625%
HK$38,844
+HK$1,945/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,798/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,458
−HK$2,537/mo
▼ 0.25% · 3.875%
HK$41,717
−HK$1,278/mo
Today · 4.125%
HK$42,995
baseline
▲ 0.50% · 4.625%
HK$45,611
+HK$2,616/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$85,990/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,009
−HK$2,432/mo
▼ 0.25% · 3.875%
HK$46,216
−HK$1,225/mo
Today · 4.125%
HK$47,441
baseline
▲ 0.50% · 4.625%
HK$49,942
+HK$2,501/mo
Deposit HK$986K · loan HK$8.87M · min. income ≈ HK$94,882/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,714 · 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).