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$22,424
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,122
−HK$709/mo
Today · 4.125%
HK$23,831
baseline
▲ 0.50% · 4.625%
HK$25,281
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,662/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,947
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,616
−HK$679/mo
Today · 4.125%
HK$26,295
baseline
▲ 0.50% · 4.625%
HK$27,681
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,590/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,909
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,746
−HK$851/mo
Today · 4.125%
HK$28,597
baseline
▲ 0.50% · 4.625%
HK$30,337
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,194/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,936
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,739
−HK$815/mo
Today · 4.125%
HK$31,554
baseline
▲ 0.50% · 4.625%
HK$33,217
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,108/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,394
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,371
−HK$992/mo
Today · 4.125%
HK$33,363
baseline
▲ 0.50% · 4.625%
HK$35,393
+HK$2,030/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,726/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,926
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,862
−HK$951/mo
Today · 4.125%
HK$36,813
baseline
▲ 0.50% · 4.625%
HK$38,753
+HK$1,940/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,626/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,364
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,619
−HK$1,276/mo
Today · 4.125%
HK$42,895
baseline
▲ 0.50% · 4.625%
HK$45,505
+HK$2,610/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,790/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,904
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,109
−HK$1,221/mo
Today · 4.125%
HK$47,330
baseline
▲ 0.50% · 4.625%
HK$49,825
+HK$2,495/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,660/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,413 · 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).