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$22,427
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,125
−HK$708/mo
Today · 4.125%
HK$23,833
baseline
▲ 0.50% · 4.625%
HK$25,284
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,666/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,950
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,619
−HK$679/mo
Today · 4.125%
HK$26,298
baseline
▲ 0.50% · 4.625%
HK$27,684
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,596/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,912
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,750
−HK$850/mo
Today · 4.125%
HK$28,600
baseline
▲ 0.50% · 4.625%
HK$30,340
+HK$1,740/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,200/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,940
−HK$1,617/mo
▼ 0.25% · 3.875%
HK$30,743
−HK$814/mo
Today · 4.125%
HK$31,557
baseline
▲ 0.50% · 4.625%
HK$33,221
+HK$1,664/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,114/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,398
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,374
−HK$993/mo
Today · 4.125%
HK$33,367
baseline
▲ 0.50% · 4.625%
HK$35,397
+HK$2,030/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$66,734/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,930
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,867
−HK$950/mo
Today · 4.125%
HK$36,817
baseline
▲ 0.50% · 4.625%
HK$38,758
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.88M · min. income ≈ HK$73,634/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,369
−HK$2,531/mo
▼ 0.25% · 3.875%
HK$41,624
−HK$1,276/mo
Today · 4.125%
HK$42,900
baseline
▲ 0.50% · 4.625%
HK$45,510
+HK$2,610/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,800/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,910
−HK$2,426/mo
▼ 0.25% · 3.875%
HK$46,114
−HK$1,222/mo
Today · 4.125%
HK$47,336
baseline
▲ 0.50% · 4.625%
HK$49,831
+HK$2,495/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,672/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,530 · 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).