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$22,426
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,124
−HK$708/mo
Today · 4.125%
HK$23,832
baseline
▲ 0.50% · 4.625%
HK$25,282
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,664/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,949
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,618
−HK$679/mo
Today · 4.125%
HK$26,297
baseline
▲ 0.50% · 4.625%
HK$27,683
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,594/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,911
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,748
−HK$851/mo
Today · 4.125%
HK$28,599
baseline
▲ 0.50% · 4.625%
HK$30,339
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,198/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,938
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,741
−HK$815/mo
Today · 4.125%
HK$31,556
baseline
▲ 0.50% · 4.625%
HK$33,219
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,112/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,396
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,373
−HK$992/mo
Today · 4.125%
HK$33,365
baseline
▲ 0.50% · 4.625%
HK$35,395
+HK$2,030/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,730/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,928
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,865
−HK$950/mo
Today · 4.125%
HK$36,815
baseline
▲ 0.50% · 4.625%
HK$38,756
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,630/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,367
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,622
−HK$1,276/mo
Today · 4.125%
HK$42,898
baseline
▲ 0.50% · 4.625%
HK$45,508
+HK$2,610/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,796/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,908
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,112
−HK$1,222/mo
Today · 4.125%
HK$47,334
baseline
▲ 0.50% · 4.625%
HK$49,829
+HK$2,495/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,668/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,487 · 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).