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$22,461
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$23,160
−HK$710/mo
Today · 4.125%
HK$23,870
baseline
▲ 0.50% · 4.625%
HK$25,322
+HK$1,452/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$47,740/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,988
−HK$1,350/mo
▼ 0.25% · 3.875%
HK$25,658
−HK$680/mo
Today · 4.125%
HK$26,338
baseline
▲ 0.50% · 4.625%
HK$27,726
+HK$1,388/mo
Deposit HK$4.93M · loan HK$4.93M · min. income ≈ HK$52,676/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$355,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,953
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,792
−HK$851/mo
Today · 4.125%
HK$28,643
baseline
▲ 0.50% · 4.625%
HK$30,386
+HK$1,743/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,286/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,985
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,789
−HK$816/mo
Today · 4.125%
HK$31,605
baseline
▲ 0.50% · 4.625%
HK$33,271
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,210/mo (50% DSR)
Upfront cash ≈ HK$4.30M (deposit + AVD stamp duty HK$355,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,445
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,424
−HK$993/mo
Today · 4.125%
HK$33,417
baseline
▲ 0.50% · 4.625%
HK$35,451
+HK$2,034/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$66,834/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,983
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,921
−HK$952/mo
Today · 4.125%
HK$36,873
baseline
▲ 0.50% · 4.625%
HK$38,816
+HK$1,943/mo
Deposit HK$2.96M · loan HK$6.90M · min. income ≈ HK$73,746/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$355,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,430
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,687
−HK$1,278/mo
Today · 4.125%
HK$42,965
baseline
▲ 0.50% · 4.625%
HK$45,580
+HK$2,615/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$85,930/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,978
−HK$2,430/mo
▼ 0.25% · 3.875%
HK$46,184
−HK$1,224/mo
Today · 4.125%
HK$47,408
baseline
▲ 0.50% · 4.625%
HK$49,907
+HK$2,499/mo
Deposit HK$985K · loan HK$8.87M · min. income ≈ HK$94,816/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$355,023 · 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).