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$22,416
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,114
−HK$708/mo
Today · 4.125%
HK$23,822
baseline
▲ 0.50% · 4.625%
HK$25,271
+HK$1,449/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,644/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,938
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,607
−HK$678/mo
Today · 4.125%
HK$26,285
baseline
▲ 0.50% · 4.625%
HK$27,671
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,570/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,900
−HK$1,686/mo
▼ 0.25% · 3.875%
HK$27,736
−HK$850/mo
Today · 4.125%
HK$28,586
baseline
▲ 0.50% · 4.625%
HK$30,326
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,172/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,925
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,728
−HK$814/mo
Today · 4.125%
HK$31,542
baseline
▲ 0.50% · 4.625%
HK$33,205
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,084/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,383
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,359
−HK$992/mo
Today · 4.125%
HK$33,351
baseline
▲ 0.50% · 4.625%
HK$35,380
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,702/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,913
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,849
−HK$950/mo
Today · 4.125%
HK$36,799
baseline
▲ 0.50% · 4.625%
HK$38,739
+HK$1,940/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,598/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,349
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,604
−HK$1,276/mo
Today · 4.125%
HK$42,880
baseline
▲ 0.50% · 4.625%
HK$45,489
+HK$2,609/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,760/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,060 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,888
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,092
−HK$1,221/mo
Today · 4.125%
HK$47,313
baseline
▲ 0.50% · 4.625%
HK$49,807
+HK$2,494/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,626/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,060 · 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).