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$22,420
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,118
−HK$708/mo
Today · 4.125%
HK$23,826
baseline
▲ 0.50% · 4.625%
HK$25,276
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,652/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,943
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,612
−HK$678/mo
Today · 4.125%
HK$26,290
baseline
▲ 0.50% · 4.625%
HK$27,676
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,580/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,905
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,741
−HK$851/mo
Today · 4.125%
HK$28,592
baseline
▲ 0.50% · 4.625%
HK$30,331
+HK$1,739/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,184/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,931
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,734
−HK$814/mo
Today · 4.125%
HK$31,548
baseline
▲ 0.50% · 4.625%
HK$33,211
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,096/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,389
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,365
−HK$992/mo
Today · 4.125%
HK$33,357
baseline
▲ 0.50% · 4.625%
HK$35,387
+HK$2,030/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,714/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,920
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$35,856
−HK$950/mo
Today · 4.125%
HK$36,806
baseline
▲ 0.50% · 4.625%
HK$38,746
+HK$1,940/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,612/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,357
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,612
−HK$1,276/mo
Today · 4.125%
HK$42,888
baseline
▲ 0.50% · 4.625%
HK$45,497
+HK$2,609/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,776/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,897
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,101
−HK$1,221/mo
Today · 4.125%
HK$47,322
baseline
▲ 0.50% · 4.625%
HK$49,817
+HK$2,495/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,644/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,245 · 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).