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$1,406/mo
▼ 0.25% · 3.875%
HK$23,127
−HK$708/mo
Today · 4.125%
HK$23,835
baseline
▲ 0.50% · 4.625%
HK$25,286
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,670/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,952
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,621
−HK$679/mo
Today · 4.125%
HK$26,300
baseline
▲ 0.50% · 4.625%
HK$27,686
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,600/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,915
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,752
−HK$850/mo
Today · 4.125%
HK$28,602
baseline
▲ 0.50% · 4.625%
HK$30,343
+HK$1,741/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,204/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,942
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,745
−HK$815/mo
Today · 4.125%
HK$31,560
baseline
▲ 0.50% · 4.625%
HK$33,224
+HK$1,664/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,120/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,400
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,377
−HK$993/mo
Today · 4.125%
HK$33,370
baseline
▲ 0.50% · 4.625%
HK$35,400
+HK$2,030/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$353,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,933
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,870
−HK$950/mo
Today · 4.125%
HK$36,820
baseline
▲ 0.50% · 4.625%
HK$38,761
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,640/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,372
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,628
−HK$1,276/mo
Today · 4.125%
HK$42,904
baseline
▲ 0.50% · 4.625%
HK$45,514
+HK$2,610/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,808/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,913
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,118
−HK$1,222/mo
Today · 4.125%
HK$47,340
baseline
▲ 0.50% · 4.625%
HK$49,835
+HK$2,495/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,680/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,612 · 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).