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$1,406/mo
▼ 0.25% · 3.875%
HK$23,129
−HK$709/mo
Today · 4.125%
HK$23,838
baseline
▲ 0.50% · 4.625%
HK$25,289
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,676/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,955
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,624
−HK$679/mo
Today · 4.125%
HK$26,303
baseline
▲ 0.50% · 4.625%
HK$27,690
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,606/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,918
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,755
−HK$851/mo
Today · 4.125%
HK$28,606
baseline
▲ 0.50% · 4.625%
HK$30,347
+HK$1,741/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$57,212/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,946
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,749
−HK$815/mo
Today · 4.125%
HK$31,564
baseline
▲ 0.50% · 4.625%
HK$33,228
+HK$1,664/mo
Deposit HK$3.93M · loan HK$5.90M · min. income ≈ HK$63,128/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,404
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,381
−HK$993/mo
Today · 4.125%
HK$33,374
baseline
▲ 0.50% · 4.625%
HK$35,404
+HK$2,030/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,748/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,937
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$35,874
−HK$950/mo
Today · 4.125%
HK$36,824
baseline
▲ 0.50% · 4.625%
HK$38,766
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,648/mo (50% DSR)
Upfront cash ≈ HK$3.30M (deposit + AVD stamp duty HK$353,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,377
−HK$2,532/mo
▼ 0.25% · 3.875%
HK$41,633
−HK$1,276/mo
Today · 4.125%
HK$42,909
baseline
▲ 0.50% · 4.625%
HK$45,520
+HK$2,611/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,818/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,919
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,124
−HK$1,222/mo
Today · 4.125%
HK$47,346
baseline
▲ 0.50% · 4.625%
HK$49,841
+HK$2,495/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,692/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,733 · 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).