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$22,448
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$23,146
−HK$709/mo
Today · 4.125%
HK$23,855
baseline
▲ 0.50% · 4.625%
HK$25,307
+HK$1,452/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,710/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,973
−HK$1,349/mo
▼ 0.25% · 3.875%
HK$25,642
−HK$680/mo
Today · 4.125%
HK$26,322
baseline
▲ 0.50% · 4.625%
HK$27,709
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,644/mo (50% DSR)
Upfront cash ≈ HK$5.28M (deposit + AVD stamp duty HK$354,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,937
−HK$1,689/mo
▼ 0.25% · 3.875%
HK$27,775
−HK$851/mo
Today · 4.125%
HK$28,626
baseline
▲ 0.50% · 4.625%
HK$30,368
+HK$1,742/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$57,252/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,967
−HK$1,619/mo
▼ 0.25% · 3.875%
HK$30,771
−HK$815/mo
Today · 4.125%
HK$31,586
baseline
▲ 0.50% · 4.625%
HK$33,251
+HK$1,665/mo
Deposit HK$3.94M · loan HK$5.91M · min. income ≈ HK$63,172/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$354,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,427
−HK$1,970/mo
▼ 0.25% · 3.875%
HK$32,404
−HK$993/mo
Today · 4.125%
HK$33,397
baseline
▲ 0.50% · 4.625%
HK$35,430
+HK$2,033/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,794/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,962
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,899
−HK$952/mo
Today · 4.125%
HK$36,851
baseline
▲ 0.50% · 4.625%
HK$38,793
+HK$1,942/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,702/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$354,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,406
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,663
−HK$1,276/mo
Today · 4.125%
HK$42,939
baseline
▲ 0.50% · 4.625%
HK$45,552
+HK$2,613/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$85,878/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,951
−HK$2,428/mo
▼ 0.25% · 3.875%
HK$46,156
−HK$1,223/mo
Today · 4.125%
HK$47,379
baseline
▲ 0.50% · 4.625%
HK$49,877
+HK$2,498/mo
Deposit HK$984K · loan HK$8.86M · min. income ≈ HK$94,758/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$354,434 · 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).