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$22,419
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,116
−HK$709/mo
Today · 4.125%
HK$23,825
baseline
▲ 0.50% · 4.625%
HK$25,275
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,650/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,941
−HK$1,347/mo
▼ 0.25% · 3.875%
HK$25,610
−HK$678/mo
Today · 4.125%
HK$26,288
baseline
▲ 0.50% · 4.625%
HK$27,674
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,576/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,903
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,740
−HK$850/mo
Today · 4.125%
HK$28,590
baseline
▲ 0.50% · 4.625%
HK$30,330
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,180/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,929
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,732
−HK$814/mo
Today · 4.125%
HK$31,546
baseline
▲ 0.50% · 4.625%
HK$33,209
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,092/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,387
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,363
−HK$992/mo
Today · 4.125%
HK$33,355
baseline
▲ 0.50% · 4.625%
HK$35,384
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,710/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,917
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,854
−HK$950/mo
Today · 4.125%
HK$36,804
baseline
▲ 0.50% · 4.625%
HK$38,744
+HK$1,940/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,608/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,354
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,610
−HK$1,275/mo
Today · 4.125%
HK$42,885
baseline
▲ 0.50% · 4.625%
HK$45,494
+HK$2,609/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,770/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,182 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,894
−HK$2,425/mo
▼ 0.25% · 3.875%
HK$46,098
−HK$1,221/mo
Today · 4.125%
HK$47,319
baseline
▲ 0.50% · 4.625%
HK$49,813
+HK$2,494/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,638/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,182 · 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).