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$22,418
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,116
−HK$708/mo
Today · 4.125%
HK$23,824
baseline
▲ 0.50% · 4.625%
HK$25,274
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,648/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,940
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,609
−HK$679/mo
Today · 4.125%
HK$26,288
baseline
▲ 0.50% · 4.625%
HK$27,673
+HK$1,385/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,576/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,902
−HK$1,687/mo
▼ 0.25% · 3.875%
HK$27,739
−HK$850/mo
Today · 4.125%
HK$28,589
baseline
▲ 0.50% · 4.625%
HK$30,329
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,178/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,928
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,731
−HK$814/mo
Today · 4.125%
HK$31,545
baseline
▲ 0.50% · 4.625%
HK$33,208
+HK$1,663/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,090/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,386
−HK$1,968/mo
▼ 0.25% · 3.875%
HK$32,362
−HK$992/mo
Today · 4.125%
HK$33,354
baseline
▲ 0.50% · 4.625%
HK$35,383
+HK$2,029/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,708/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,916
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,853
−HK$950/mo
Today · 4.125%
HK$36,803
baseline
▲ 0.50% · 4.625%
HK$38,743
+HK$1,940/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,606/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,353
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,608
−HK$1,276/mo
Today · 4.125%
HK$42,884
baseline
▲ 0.50% · 4.625%
HK$45,493
+HK$2,609/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$85,768/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,892
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,096
−HK$1,222/mo
Today · 4.125%
HK$47,318
baseline
▲ 0.50% · 4.625%
HK$49,812
+HK$2,494/mo
Deposit HK$983K · loan HK$8.85M · min. income ≈ HK$94,636/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,153 · 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).