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$22,444
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,142
−HK$709/mo
Today · 4.125%
HK$23,851
baseline
▲ 0.50% · 4.625%
HK$25,302
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,702/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,968
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,638
−HK$679/mo
Today · 4.125%
HK$26,317
baseline
▲ 0.50% · 4.625%
HK$27,704
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,634/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,932
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,770
−HK$851/mo
Today · 4.125%
HK$28,621
baseline
▲ 0.50% · 4.625%
HK$30,363
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,242/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,962
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,765
−HK$816/mo
Today · 4.125%
HK$31,581
baseline
▲ 0.50% · 4.625%
HK$33,245
+HK$1,664/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,162/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,421
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,398
−HK$993/mo
Today · 4.125%
HK$33,391
baseline
▲ 0.50% · 4.625%
HK$35,423
+HK$2,032/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,782/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,955
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,893
−HK$951/mo
Today · 4.125%
HK$36,844
baseline
▲ 0.50% · 4.625%
HK$38,786
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,688/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,398
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,655
−HK$1,277/mo
Today · 4.125%
HK$42,932
baseline
▲ 0.50% · 4.625%
HK$45,544
+HK$2,612/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,864/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,943
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,148
−HK$1,223/mo
Today · 4.125%
HK$47,371
baseline
▲ 0.50% · 4.625%
HK$49,868
+HK$2,497/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,742/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,254 · 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).