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$22,432
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,130
−HK$709/mo
Today · 4.125%
HK$23,839
baseline
▲ 0.50% · 4.625%
HK$25,289
+HK$1,450/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,678/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,956
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,625
−HK$679/mo
Today · 4.125%
HK$26,304
baseline
▲ 0.50% · 4.625%
HK$27,690
+HK$1,386/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,608/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,919
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,756
−HK$851/mo
Today · 4.125%
HK$28,607
baseline
▲ 0.50% · 4.625%
HK$30,347
+HK$1,740/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,214/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,947
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,750
−HK$815/mo
Today · 4.125%
HK$31,565
baseline
▲ 0.50% · 4.625%
HK$33,229
+HK$1,664/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,130/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,405
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,382
−HK$993/mo
Today · 4.125%
HK$33,375
baseline
▲ 0.50% · 4.625%
HK$35,405
+HK$2,030/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,750/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,938
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,875
−HK$950/mo
Today · 4.125%
HK$36,825
baseline
▲ 0.50% · 4.625%
HK$38,767
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,650/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,378
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,634
−HK$1,276/mo
Today · 4.125%
HK$42,910
baseline
▲ 0.50% · 4.625%
HK$45,521
+HK$2,611/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,820/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,920
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,125
−HK$1,222/mo
Today · 4.125%
HK$47,347
baseline
▲ 0.50% · 4.625%
HK$49,843
+HK$2,496/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,694/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,760 · 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).