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$22,428
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,126
−HK$709/mo
Today · 4.125%
HK$23,835
baseline
▲ 0.50% · 4.625%
HK$25,285
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,670/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,951
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,621
−HK$678/mo
Today · 4.125%
HK$26,299
baseline
▲ 0.50% · 4.625%
HK$27,686
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,598/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,914
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,751
−HK$851/mo
Today · 4.125%
HK$28,602
baseline
▲ 0.50% · 4.625%
HK$30,342
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,204/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,942
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,745
−HK$814/mo
Today · 4.125%
HK$31,559
baseline
▲ 0.50% · 4.625%
HK$33,223
+HK$1,664/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,118/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,400
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,377
−HK$992/mo
Today · 4.125%
HK$33,369
baseline
▲ 0.50% · 4.625%
HK$35,399
+HK$2,030/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,738/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,932
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,869
−HK$950/mo
Today · 4.125%
HK$36,819
baseline
▲ 0.50% · 4.625%
HK$38,760
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,638/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,371
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,627
−HK$1,276/mo
Today · 4.125%
HK$42,903
baseline
▲ 0.50% · 4.625%
HK$45,513
+HK$2,610/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,806/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,913
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,117
−HK$1,222/mo
Today · 4.125%
HK$47,339
baseline
▲ 0.50% · 4.625%
HK$49,834
+HK$2,495/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,678/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,594 · 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).