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$22,423
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,120
−HK$709/mo
Today · 4.125%
HK$23,829
baseline
▲ 0.50% · 4.625%
HK$25,279
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,658/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,945
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,614
−HK$679/mo
Today · 4.125%
HK$26,293
baseline
▲ 0.50% · 4.625%
HK$27,679
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,586/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,907
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,744
−HK$851/mo
Today · 4.125%
HK$28,595
baseline
▲ 0.50% · 4.625%
HK$30,335
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,190/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,934
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,737
−HK$814/mo
Today · 4.125%
HK$31,551
baseline
▲ 0.50% · 4.625%
HK$33,215
+HK$1,664/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,102/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,392
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,368
−HK$992/mo
Today · 4.125%
HK$33,360
baseline
▲ 0.50% · 4.625%
HK$35,390
+HK$2,030/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,720/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,923
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,860
−HK$950/mo
Today · 4.125%
HK$36,810
baseline
▲ 0.50% · 4.625%
HK$38,750
+HK$1,940/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,620/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,361
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,617
−HK$1,275/mo
Today · 4.125%
HK$42,892
baseline
▲ 0.50% · 4.625%
HK$45,502
+HK$2,610/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,784/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,901
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,105
−HK$1,222/mo
Today · 4.125%
HK$47,327
baseline
▲ 0.50% · 4.625%
HK$49,822
+HK$2,495/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,654/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,346 · 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).