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$22,441
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$23,139
−HK$710/mo
Today · 4.125%
HK$23,849
baseline
▲ 0.50% · 4.625%
HK$25,300
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,698/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$354,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,966
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,635
−HK$680/mo
Today · 4.125%
HK$26,315
baseline
▲ 0.50% · 4.625%
HK$27,702
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,630/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$354,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,930
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,767
−HK$851/mo
Today · 4.125%
HK$28,618
baseline
▲ 0.50% · 4.625%
HK$30,360
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,236/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,959
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,762
−HK$816/mo
Today · 4.125%
HK$31,578
baseline
▲ 0.50% · 4.625%
HK$33,242
+HK$1,664/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,156/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,418
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,395
−HK$993/mo
Today · 4.125%
HK$33,388
baseline
▲ 0.50% · 4.625%
HK$35,420
+HK$2,032/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,776/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,952
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,890
−HK$950/mo
Today · 4.125%
HK$36,840
baseline
▲ 0.50% · 4.625%
HK$38,782
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,680/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,394
−HK$2,534/mo
▼ 0.25% · 3.875%
HK$41,651
−HK$1,277/mo
Today · 4.125%
HK$42,928
baseline
▲ 0.50% · 4.625%
HK$45,540
+HK$2,612/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,856/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,938
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,144
−HK$1,222/mo
Today · 4.125%
HK$47,366
baseline
▲ 0.50% · 4.625%
HK$49,863
+HK$2,497/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,732/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,160 · 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).