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$22,435
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,133
−HK$709/mo
Today · 4.125%
HK$23,842
baseline
▲ 0.50% · 4.625%
HK$25,292
+HK$1,450/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$353,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,958
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,628
−HK$679/mo
Today · 4.125%
HK$26,307
baseline
▲ 0.50% · 4.625%
HK$27,694
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,614/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,922
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,759
−HK$851/mo
Today · 4.125%
HK$28,610
baseline
▲ 0.50% · 4.625%
HK$30,351
+HK$1,741/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,220/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,950
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,753
−HK$815/mo
Today · 4.125%
HK$31,568
baseline
▲ 0.50% · 4.625%
HK$33,232
+HK$1,664/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,136/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,409
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,386
−HK$992/mo
Today · 4.125%
HK$33,378
baseline
▲ 0.50% · 4.625%
HK$35,409
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,756/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,942
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,879
−HK$951/mo
Today · 4.125%
HK$36,830
baseline
▲ 0.50% · 4.625%
HK$38,771
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,660/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,383
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,639
−HK$1,276/mo
Today · 4.125%
HK$42,915
baseline
▲ 0.50% · 4.625%
HK$45,526
+HK$2,611/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,830/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,925
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,130
−HK$1,222/mo
Today · 4.125%
HK$47,352
baseline
▲ 0.50% · 4.625%
HK$49,848
+HK$2,496/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,704/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,871 · 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).