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$22,427
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,124
−HK$709/mo
Today · 4.125%
HK$23,833
baseline
▲ 0.50% · 4.625%
HK$25,283
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,666/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,949
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,619
−HK$678/mo
Today · 4.125%
HK$26,297
baseline
▲ 0.50% · 4.625%
HK$27,684
+HK$1,387/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$353,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,912
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,749
−HK$851/mo
Today · 4.125%
HK$28,600
baseline
▲ 0.50% · 4.625%
HK$30,340
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,200/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,939
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,742
−HK$815/mo
Today · 4.125%
HK$31,557
baseline
▲ 0.50% · 4.625%
HK$33,220
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,114/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,397
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,374
−HK$992/mo
Today · 4.125%
HK$33,366
baseline
▲ 0.50% · 4.625%
HK$35,396
+HK$2,030/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,732/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,929
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,866
−HK$950/mo
Today · 4.125%
HK$36,816
baseline
▲ 0.50% · 4.625%
HK$38,757
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,632/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,368
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,624
−HK$1,275/mo
Today · 4.125%
HK$42,899
baseline
▲ 0.50% · 4.625%
HK$45,510
+HK$2,611/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,798/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,909
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,113
−HK$1,222/mo
Today · 4.125%
HK$47,335
baseline
▲ 0.50% · 4.625%
HK$49,830
+HK$2,495/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,670/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,514 · 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).