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$22,442
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,140
−HK$710/mo
Today · 4.125%
HK$23,850
baseline
▲ 0.50% · 4.625%
HK$25,301
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,700/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,967
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,636
−HK$680/mo
Today · 4.125%
HK$26,316
baseline
▲ 0.50% · 4.625%
HK$27,703
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,632/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,931
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,768
−HK$851/mo
Today · 4.125%
HK$28,619
baseline
▲ 0.50% · 4.625%
HK$30,361
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,238/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,960
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,764
−HK$815/mo
Today · 4.125%
HK$31,579
baseline
▲ 0.50% · 4.625%
HK$33,243
+HK$1,664/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,158/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,419
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,396
−HK$993/mo
Today · 4.125%
HK$33,389
baseline
▲ 0.50% · 4.625%
HK$35,421
+HK$2,032/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,778/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,953
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,891
−HK$951/mo
Today · 4.125%
HK$36,842
baseline
▲ 0.50% · 4.625%
HK$38,784
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,684/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,396
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,653
−HK$1,276/mo
Today · 4.125%
HK$42,929
baseline
▲ 0.50% · 4.625%
HK$45,541
+HK$2,612/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,858/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,940
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,145
−HK$1,223/mo
Today · 4.125%
HK$47,368
baseline
▲ 0.50% · 4.625%
HK$49,865
+HK$2,497/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,736/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,198 · 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).