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$22,436
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,134
−HK$709/mo
Today · 4.125%
HK$23,843
baseline
▲ 0.50% · 4.625%
HK$25,294
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,686/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,960
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,629
−HK$679/mo
Today · 4.125%
HK$26,308
baseline
▲ 0.50% · 4.625%
HK$27,695
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,616/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,923
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,761
−HK$851/mo
Today · 4.125%
HK$28,612
baseline
▲ 0.50% · 4.625%
HK$30,353
+HK$1,741/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,224/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,952
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,755
−HK$815/mo
Today · 4.125%
HK$31,570
baseline
▲ 0.50% · 4.625%
HK$33,234
+HK$1,664/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,140/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,411
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,388
−HK$992/mo
Today · 4.125%
HK$33,380
baseline
▲ 0.50% · 4.625%
HK$35,411
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,760/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,944
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,881
−HK$951/mo
Today · 4.125%
HK$36,832
baseline
▲ 0.50% · 4.625%
HK$38,773
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,664/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,385
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,641
−HK$1,277/mo
Today · 4.125%
HK$42,918
baseline
▲ 0.50% · 4.625%
HK$45,529
+HK$2,611/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,836/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,930 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,928
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,133
−HK$1,222/mo
Today · 4.125%
HK$47,355
baseline
▲ 0.50% · 4.625%
HK$49,851
+HK$2,496/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,710/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,930 · 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).