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$22,434
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,132
−HK$709/mo
Today · 4.125%
HK$23,841
baseline
▲ 0.50% · 4.625%
HK$25,292
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,682/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,958
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,627
−HK$679/mo
Today · 4.125%
HK$26,306
baseline
▲ 0.50% · 4.625%
HK$27,693
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,612/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,921
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,758
−HK$851/mo
Today · 4.125%
HK$28,609
baseline
▲ 0.50% · 4.625%
HK$30,350
+HK$1,741/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,218/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,949
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,752
−HK$815/mo
Today · 4.125%
HK$31,567
baseline
▲ 0.50% · 4.625%
HK$33,231
+HK$1,664/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,134/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,408
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,385
−HK$992/mo
Today · 4.125%
HK$33,377
baseline
▲ 0.50% · 4.625%
HK$35,408
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,754/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,941
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,878
−HK$951/mo
Today · 4.125%
HK$36,829
baseline
▲ 0.50% · 4.625%
HK$38,770
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,658/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,381
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,637
−HK$1,277/mo
Today · 4.125%
HK$42,914
baseline
▲ 0.50% · 4.625%
HK$45,525
+HK$2,611/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,828/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,924
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,129
−HK$1,222/mo
Today · 4.125%
HK$47,351
baseline
▲ 0.50% · 4.625%
HK$49,847
+HK$2,496/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,702/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,841 · 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).