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$1,408/mo
▼ 0.25% · 3.875%
HK$23,142
−HK$710/mo
Today · 4.125%
HK$23,852
baseline
▲ 0.50% · 4.625%
HK$25,303
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,704/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,969
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,639
−HK$679/mo
Today · 4.125%
HK$26,318
baseline
▲ 0.50% · 4.625%
HK$27,705
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,636/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,933
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,771
−HK$851/mo
Today · 4.125%
HK$28,622
baseline
▲ 0.50% · 4.625%
HK$30,364
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,244/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,963
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,766
−HK$816/mo
Today · 4.125%
HK$31,582
baseline
▲ 0.50% · 4.625%
HK$33,246
+HK$1,664/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,164/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,422
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,399
−HK$993/mo
Today · 4.125%
HK$33,392
baseline
▲ 0.50% · 4.625%
HK$35,424
+HK$2,032/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,784/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,957
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,894
−HK$951/mo
Today · 4.125%
HK$36,845
baseline
▲ 0.50% · 4.625%
HK$38,787
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,690/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,400
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,656
−HK$1,277/mo
Today · 4.125%
HK$42,933
baseline
▲ 0.50% · 4.625%
HK$45,546
+HK$2,613/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,866/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,944
−HK$2,429/mo
▼ 0.25% · 3.875%
HK$46,150
−HK$1,223/mo
Today · 4.125%
HK$47,373
baseline
▲ 0.50% · 4.625%
HK$49,870
+HK$2,497/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,746/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,289 · 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).