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$22,439
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,137
−HK$709/mo
Today · 4.125%
HK$23,846
baseline
▲ 0.50% · 4.625%
HK$25,297
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,692/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$354,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,963
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,633
−HK$679/mo
Today · 4.125%
HK$26,312
baseline
▲ 0.50% · 4.625%
HK$27,699
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,624/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$354,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,927
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,765
−HK$851/mo
Today · 4.125%
HK$28,616
baseline
▲ 0.50% · 4.625%
HK$30,357
+HK$1,741/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,232/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,956
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,759
−HK$815/mo
Today · 4.125%
HK$31,574
baseline
▲ 0.50% · 4.625%
HK$33,239
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,148/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,415
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,392
−HK$993/mo
Today · 4.125%
HK$33,385
baseline
▲ 0.50% · 4.625%
HK$35,416
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,770/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,949
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,886
−HK$951/mo
Today · 4.125%
HK$36,837
baseline
▲ 0.50% · 4.625%
HK$38,779
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,674/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,391
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,647
−HK$1,276/mo
Today · 4.125%
HK$42,923
baseline
▲ 0.50% · 4.625%
HK$45,535
+HK$2,612/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,846/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,934
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,139
−HK$1,223/mo
Today · 4.125%
HK$47,362
baseline
▲ 0.50% · 4.625%
HK$49,858
+HK$2,496/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,724/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,064 · 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).