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$22,455
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,154
−HK$709/mo
Today · 4.125%
HK$23,863
baseline
▲ 0.50% · 4.625%
HK$25,315
+HK$1,452/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,726/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,981
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,651
−HK$680/mo
Today · 4.125%
HK$26,331
baseline
▲ 0.50% · 4.625%
HK$27,719
+HK$1,388/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,662/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,946
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,784
−HK$852/mo
Today · 4.125%
HK$28,636
baseline
▲ 0.50% · 4.625%
HK$30,378
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,272/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,977
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,781
−HK$816/mo
Today · 4.125%
HK$31,597
baseline
▲ 0.50% · 4.625%
HK$33,262
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,194/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,437
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,415
−HK$994/mo
Today · 4.125%
HK$33,409
baseline
▲ 0.50% · 4.625%
HK$35,441
+HK$2,032/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,818/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,974
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,912
−HK$951/mo
Today · 4.125%
HK$36,863
baseline
▲ 0.50% · 4.625%
HK$38,806
+HK$1,943/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,726/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,419
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,677
−HK$1,277/mo
Today · 4.125%
HK$42,954
baseline
▲ 0.50% · 4.625%
HK$45,568
+HK$2,614/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$85,908/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,966
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,172
−HK$1,223/mo
Today · 4.125%
HK$47,395
baseline
▲ 0.50% · 4.625%
HK$49,894
+HK$2,499/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$94,790/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,765 · 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).