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$22,431
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,129
−HK$709/mo
Today · 4.125%
HK$23,838
baseline
▲ 0.50% · 4.625%
HK$25,288
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,676/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,954
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,624
−HK$679/mo
Today · 4.125%
HK$26,303
baseline
▲ 0.50% · 4.625%
HK$27,689
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,606/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,917
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,755
−HK$850/mo
Today · 4.125%
HK$28,605
baseline
▲ 0.50% · 4.625%
HK$30,346
+HK$1,741/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,210/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,945
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,749
−HK$814/mo
Today · 4.125%
HK$31,563
baseline
▲ 0.50% · 4.625%
HK$33,227
+HK$1,664/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,126/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,404
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,381
−HK$992/mo
Today · 4.125%
HK$33,373
baseline
▲ 0.50% · 4.625%
HK$35,404
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,746/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,936
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,873
−HK$951/mo
Today · 4.125%
HK$36,824
baseline
▲ 0.50% · 4.625%
HK$38,765
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,648/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,376
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,632
−HK$1,276/mo
Today · 4.125%
HK$42,908
baseline
▲ 0.50% · 4.625%
HK$45,519
+HK$2,611/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,816/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,918
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,123
−HK$1,222/mo
Today · 4.125%
HK$47,345
baseline
▲ 0.50% · 4.625%
HK$49,840
+HK$2,495/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,690/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,715 · 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).