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$22,430
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,128
−HK$709/mo
Today · 4.125%
HK$23,837
baseline
▲ 0.50% · 4.625%
HK$25,287
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,674/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,953
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,623
−HK$678/mo
Today · 4.125%
HK$26,301
baseline
▲ 0.50% · 4.625%
HK$27,688
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,602/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,916
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,753
−HK$851/mo
Today · 4.125%
HK$28,604
baseline
▲ 0.50% · 4.625%
HK$30,345
+HK$1,741/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,208/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,944
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,747
−HK$815/mo
Today · 4.125%
HK$31,562
baseline
▲ 0.50% · 4.625%
HK$33,225
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,124/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,402
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,379
−HK$992/mo
Today · 4.125%
HK$33,371
baseline
▲ 0.50% · 4.625%
HK$35,402
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,742/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,935
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,872
−HK$950/mo
Today · 4.125%
HK$36,822
baseline
▲ 0.50% · 4.625%
HK$38,763
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,644/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,374
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,630
−HK$1,276/mo
Today · 4.125%
HK$42,906
baseline
▲ 0.50% · 4.625%
HK$45,517
+HK$2,611/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,812/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,916
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,121
−HK$1,222/mo
Today · 4.125%
HK$47,343
baseline
▲ 0.50% · 4.625%
HK$49,838
+HK$2,495/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,686/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,669 · 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).