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$22,429
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,127
−HK$709/mo
Today · 4.125%
HK$23,836
baseline
▲ 0.50% · 4.625%
HK$25,286
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,672/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,952
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,622
−HK$679/mo
Today · 4.125%
HK$26,301
baseline
▲ 0.50% · 4.625%
HK$27,687
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,602/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,915
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,752
−HK$851/mo
Today · 4.125%
HK$28,603
baseline
▲ 0.50% · 4.625%
HK$30,343
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,206/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,943
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,746
−HK$815/mo
Today · 4.125%
HK$31,561
baseline
▲ 0.50% · 4.625%
HK$33,224
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,122/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,401
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,378
−HK$992/mo
Today · 4.125%
HK$33,370
baseline
▲ 0.50% · 4.625%
HK$35,401
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,740/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,933
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,870
−HK$951/mo
Today · 4.125%
HK$36,821
baseline
▲ 0.50% · 4.625%
HK$38,762
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,642/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,373
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,629
−HK$1,276/mo
Today · 4.125%
HK$42,905
baseline
▲ 0.50% · 4.625%
HK$45,515
+HK$2,610/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,810/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,914
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,119
−HK$1,222/mo
Today · 4.125%
HK$47,341
baseline
▲ 0.50% · 4.625%
HK$49,836
+HK$2,495/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,682/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,634 · 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).