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$22,425
−HK$1,406/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$353,435 · 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$353,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,910
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,747
−HK$850/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$353,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,937
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,740
−HK$814/mo
Today · 4.125%
HK$31,554
baseline
▲ 0.50% · 4.625%
HK$33,218
+HK$1,664/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$353,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,395
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,371
−HK$992/mo
Today · 4.125%
HK$33,363
baseline
▲ 0.50% · 4.625%
HK$35,394
+HK$2,031/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$353,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,926
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,863
−HK$950/mo
Today · 4.125%
HK$36,813
baseline
▲ 0.50% · 4.625%
HK$38,754
+HK$1,941/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$353,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,365
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,620
−HK$1,276/mo
Today · 4.125%
HK$42,896
baseline
▲ 0.50% · 4.625%
HK$45,506
+HK$2,610/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,792/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,905
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,110
−HK$1,221/mo
Today · 4.125%
HK$47,331
baseline
▲ 0.50% · 4.625%
HK$49,826
+HK$2,495/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,662/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,435 · 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).