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$22,438
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,136
−HK$709/mo
Today · 4.125%
HK$23,845
baseline
▲ 0.50% · 4.625%
HK$25,296
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,690/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$354,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,962
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,632
−HK$679/mo
Today · 4.125%
HK$26,311
baseline
▲ 0.50% · 4.625%
HK$27,698
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,622/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$354,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,926
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,764
−HK$851/mo
Today · 4.125%
HK$28,615
baseline
▲ 0.50% · 4.625%
HK$30,356
+HK$1,741/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,230/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,955
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,758
−HK$815/mo
Today · 4.125%
HK$31,573
baseline
▲ 0.50% · 4.625%
HK$33,238
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,146/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,414
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,391
−HK$993/mo
Today · 4.125%
HK$33,384
baseline
▲ 0.50% · 4.625%
HK$35,415
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,768/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,947
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,885
−HK$951/mo
Today · 4.125%
HK$36,836
baseline
▲ 0.50% · 4.625%
HK$38,777
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,672/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,389
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,645
−HK$1,277/mo
Today · 4.125%
HK$42,922
baseline
▲ 0.50% · 4.625%
HK$45,533
+HK$2,611/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,844/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,932
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,137
−HK$1,223/mo
Today · 4.125%
HK$47,360
baseline
▲ 0.50% · 4.625%
HK$49,856
+HK$2,496/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,720/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,028 · 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).