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$22,451
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,149
−HK$710/mo
Today · 4.125%
HK$23,859
baseline
▲ 0.50% · 4.625%
HK$25,310
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,718/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,976
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,646
−HK$680/mo
Today · 4.125%
HK$26,326
baseline
▲ 0.50% · 4.625%
HK$27,713
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,652/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,941
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,779
−HK$851/mo
Today · 4.125%
HK$28,630
baseline
▲ 0.50% · 4.625%
HK$30,373
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,260/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,972
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,775
−HK$816/mo
Today · 4.125%
HK$31,591
baseline
▲ 0.50% · 4.625%
HK$33,256
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,182/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,431
−HK$1,971/mo
▼ 0.25% · 3.875%
HK$32,409
−HK$993/mo
Today · 4.125%
HK$33,402
baseline
▲ 0.50% · 4.625%
HK$35,435
+HK$2,033/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,804/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,967
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,905
−HK$951/mo
Today · 4.125%
HK$36,856
baseline
▲ 0.50% · 4.625%
HK$38,799
+HK$1,943/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,712/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,412
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,669
−HK$1,277/mo
Today · 4.125%
HK$42,946
baseline
▲ 0.50% · 4.625%
HK$45,559
+HK$2,613/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$85,892/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,957
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,163
−HK$1,223/mo
Today · 4.125%
HK$47,386
baseline
▲ 0.50% · 4.625%
HK$49,884
+HK$2,498/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$94,772/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,576 · 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).