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$22,457
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,155
−HK$710/mo
Today · 4.125%
HK$23,865
baseline
▲ 0.50% · 4.625%
HK$25,317
+HK$1,452/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,730/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,983
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,653
−HK$679/mo
Today · 4.125%
HK$26,332
baseline
▲ 0.50% · 4.625%
HK$27,720
+HK$1,388/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,664/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,948
−HK$1,690/mo
▼ 0.25% · 3.875%
HK$27,786
−HK$852/mo
Today · 4.125%
HK$28,638
baseline
▲ 0.50% · 4.625%
HK$30,380
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,276/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,979
−HK$1,620/mo
▼ 0.25% · 3.875%
HK$30,783
−HK$816/mo
Today · 4.125%
HK$31,599
baseline
▲ 0.50% · 4.625%
HK$33,265
+HK$1,666/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,198/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,439
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,417
−HK$994/mo
Today · 4.125%
HK$33,411
baseline
▲ 0.50% · 4.625%
HK$35,444
+HK$2,033/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,822/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,976
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,914
−HK$951/mo
Today · 4.125%
HK$36,865
baseline
▲ 0.50% · 4.625%
HK$38,809
+HK$1,944/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,730/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,422
−HK$2,535/mo
▼ 0.25% · 3.875%
HK$41,679
−HK$1,278/mo
Today · 4.125%
HK$42,957
baseline
▲ 0.50% · 4.625%
HK$45,570
+HK$2,613/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$85,914/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,969
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,175
−HK$1,223/mo
Today · 4.125%
HK$47,398
baseline
▲ 0.50% · 4.625%
HK$49,897
+HK$2,499/mo
Deposit HK$985K · loan HK$8.86M · min. income ≈ HK$94,796/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,827 · 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).