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$22,437
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,135
−HK$709/mo
Today · 4.125%
HK$23,844
baseline
▲ 0.50% · 4.625%
HK$25,295
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,688/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,961
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,631
−HK$679/mo
Today · 4.125%
HK$26,310
baseline
▲ 0.50% · 4.625%
HK$27,697
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,620/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,925
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,762
−HK$851/mo
Today · 4.125%
HK$28,613
baseline
▲ 0.50% · 4.625%
HK$30,354
+HK$1,741/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,226/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,953
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,757
−HK$815/mo
Today · 4.125%
HK$31,572
baseline
▲ 0.50% · 4.625%
HK$33,236
+HK$1,664/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,144/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,412
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,389
−HK$993/mo
Today · 4.125%
HK$33,382
baseline
▲ 0.50% · 4.625%
HK$35,413
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,764/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,946
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,883
−HK$951/mo
Today · 4.125%
HK$36,834
baseline
▲ 0.50% · 4.625%
HK$38,775
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,668/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,387
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,643
−HK$1,277/mo
Today · 4.125%
HK$42,920
baseline
▲ 0.50% · 4.625%
HK$45,531
+HK$2,611/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,840/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,981 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,930
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,135
−HK$1,223/mo
Today · 4.125%
HK$47,358
baseline
▲ 0.50% · 4.625%
HK$49,854
+HK$2,496/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,716/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,981 · 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).