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$22,436
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,133
−HK$709/mo
Today · 4.125%
HK$23,842
baseline
▲ 0.50% · 4.625%
HK$25,293
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,684/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,959
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,629
−HK$679/mo
Today · 4.125%
HK$26,308
baseline
▲ 0.50% · 4.625%
HK$27,694
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,616/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,923
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,760
−HK$851/mo
Today · 4.125%
HK$28,611
baseline
▲ 0.50% · 4.625%
HK$30,352
+HK$1,741/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,222/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,951
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,754
−HK$815/mo
Today · 4.125%
HK$31,569
baseline
▲ 0.50% · 4.625%
HK$33,233
+HK$1,664/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,138/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,410
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,387
−HK$992/mo
Today · 4.125%
HK$33,379
baseline
▲ 0.50% · 4.625%
HK$35,410
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,758/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,943
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,880
−HK$951/mo
Today · 4.125%
HK$36,831
baseline
▲ 0.50% · 4.625%
HK$38,772
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,662/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,384
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,640
−HK$1,276/mo
Today · 4.125%
HK$42,916
baseline
▲ 0.50% · 4.625%
HK$45,528
+HK$2,612/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,832/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,927
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,132
−HK$1,222/mo
Today · 4.125%
HK$47,354
baseline
▲ 0.50% · 4.625%
HK$49,850
+HK$2,496/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,708/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,903 · 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).