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$22,424
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,121
−HK$709/mo
Today · 4.125%
HK$23,830
baseline
▲ 0.50% · 4.625%
HK$25,280
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,660/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,946
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,615
−HK$679/mo
Today · 4.125%
HK$26,294
baseline
▲ 0.50% · 4.625%
HK$27,680
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,588/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,909
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,746
−HK$850/mo
Today · 4.125%
HK$28,596
baseline
▲ 0.50% · 4.625%
HK$30,336
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,192/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,936
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,739
−HK$814/mo
Today · 4.125%
HK$31,553
baseline
▲ 0.50% · 4.625%
HK$33,216
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,106/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,394
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,370
−HK$992/mo
Today · 4.125%
HK$33,362
baseline
▲ 0.50% · 4.625%
HK$35,392
+HK$2,030/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,724/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,925
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,862
−HK$950/mo
Today · 4.125%
HK$36,812
baseline
▲ 0.50% · 4.625%
HK$38,752
+HK$1,940/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,624/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,363
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,619
−HK$1,275/mo
Today · 4.125%
HK$42,894
baseline
▲ 0.50% · 4.625%
HK$45,504
+HK$2,610/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,788/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,904
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,108
−HK$1,222/mo
Today · 4.125%
HK$47,330
baseline
▲ 0.50% · 4.625%
HK$49,824
+HK$2,494/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,660/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,397 · 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).