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$23,153
−HK$710/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$354,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,981
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,650
−HK$680/mo
Today · 4.125%
HK$26,330
baseline
▲ 0.50% · 4.625%
HK$27,718
+HK$1,388/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,660/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,946
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,784
−HK$851/mo
Today · 4.125%
HK$28,635
baseline
▲ 0.50% · 4.625%
HK$30,378
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,270/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,977
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,781
−HK$815/mo
Today · 4.125%
HK$31,596
baseline
▲ 0.50% · 4.625%
HK$33,262
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,192/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,436
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,414
−HK$994/mo
Today · 4.125%
HK$33,408
baseline
▲ 0.50% · 4.625%
HK$35,441
+HK$2,033/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,816/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,973
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,911
−HK$951/mo
Today · 4.125%
HK$36,862
baseline
▲ 0.50% · 4.625%
HK$38,805
+HK$1,943/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,724/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,418
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,675
−HK$1,278/mo
Today · 4.125%
HK$42,953
baseline
▲ 0.50% · 4.625%
HK$45,566
+HK$2,613/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$85,906/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,965
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,171
−HK$1,223/mo
Today · 4.125%
HK$47,394
baseline
▲ 0.50% · 4.625%
HK$49,892
+HK$2,498/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$94,788/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,740 · 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).