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$22,434
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$23,131
−HK$709/mo
Today · 4.125%
HK$23,840
baseline
▲ 0.50% · 4.625%
HK$25,291
+HK$1,451/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$47,680/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,957
−HK$1,348/mo
▼ 0.25% · 3.875%
HK$25,626
−HK$679/mo
Today · 4.125%
HK$26,305
baseline
▲ 0.50% · 4.625%
HK$27,692
+HK$1,387/mo
Deposit HK$4.92M · loan HK$4.92M · min. income ≈ HK$52,610/mo (50% DSR)
Upfront cash ≈ HK$5.27M (deposit + AVD stamp duty HK$353,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,920
−HK$1,688/mo
▼ 0.25% · 3.875%
HK$27,758
−HK$850/mo
Today · 4.125%
HK$28,608
baseline
▲ 0.50% · 4.625%
HK$30,349
+HK$1,741/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$57,216/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,948
−HK$1,618/mo
▼ 0.25% · 3.875%
HK$30,752
−HK$814/mo
Today · 4.125%
HK$31,566
baseline
▲ 0.50% · 4.625%
HK$33,230
+HK$1,664/mo
Deposit HK$3.94M · loan HK$5.90M · min. income ≈ HK$63,132/mo (50% DSR)
Upfront cash ≈ HK$4.29M (deposit + AVD stamp duty HK$353,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,407
−HK$1,969/mo
▼ 0.25% · 3.875%
HK$32,384
−HK$992/mo
Today · 4.125%
HK$33,376
baseline
▲ 0.50% · 4.625%
HK$35,407
+HK$2,031/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$66,752/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,940
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$35,877
−HK$951/mo
Today · 4.125%
HK$36,828
baseline
▲ 0.50% · 4.625%
HK$38,769
+HK$1,941/mo
Deposit HK$2.95M · loan HK$6.89M · min. income ≈ HK$73,656/mo (50% DSR)
Upfront cash ≈ HK$3.31M (deposit + AVD stamp duty HK$353,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,380
−HK$2,533/mo
▼ 0.25% · 3.875%
HK$41,636
−HK$1,277/mo
Today · 4.125%
HK$42,913
baseline
▲ 0.50% · 4.625%
HK$45,524
+HK$2,611/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$85,826/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,923
−HK$2,427/mo
▼ 0.25% · 3.875%
HK$46,127
−HK$1,223/mo
Today · 4.125%
HK$47,350
baseline
▲ 0.50% · 4.625%
HK$49,846
+HK$2,496/mo
Deposit HK$984K · loan HK$8.85M · min. income ≈ HK$94,700/mo (50% DSR)
Upfront cash ≈ HK$1.34M (deposit + AVD stamp duty HK$353,815 · 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).