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$22,440
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,138
−HK$709/mo
Today · 4.125%
HK$23,847
baseline
▲ 0.50% · 4.625%
HK$25,298
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,694/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$354,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,964
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,634
−HK$679/mo
Today · 4.125%
HK$26,313
baseline
▲ 0.50% · 4.625%
HK$27,700
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,626/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$354,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,928
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,765
−HK$851/mo
Today · 4.125%
HK$28,616
baseline
▲ 0.50% · 4.625%
HK$30,358
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,232/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,957
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,760
−HK$815/mo
Today · 4.125%
HK$31,575
baseline
▲ 0.50% · 4.625%
HK$33,240
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,150/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,416
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,393
−HK$993/mo
Today · 4.125%
HK$33,386
baseline
▲ 0.50% · 4.625%
HK$35,417
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,772/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,950
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,887
−HK$951/mo
Today · 4.125%
HK$36,838
baseline
▲ 0.50% · 4.625%
HK$38,780
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,676/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,392
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,648
−HK$1,277/mo
Today · 4.125%
HK$42,925
baseline
▲ 0.50% · 4.625%
HK$45,536
+HK$2,611/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,850/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,935
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,140
−HK$1,223/mo
Today · 4.125%
HK$47,363
baseline
▲ 0.50% · 4.625%
HK$49,860
+HK$2,497/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,726/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,093 · 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).