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$22,528
−HK$1,413/mo
▼ 0.25% · 3.875%
HK$23,229
−HK$712/mo
Today · 4.125%
HK$23,941
baseline
▲ 0.50% · 4.625%
HK$25,397
+HK$1,456/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,882/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,062
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,734
−HK$682/mo
Today · 4.125%
HK$26,416
baseline
▲ 0.50% · 4.625%
HK$27,809
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,832/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,034
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,874
−HK$855/mo
Today · 4.125%
HK$28,729
baseline
▲ 0.50% · 4.625%
HK$30,477
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,458/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,075
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,881
−HK$818/mo
Today · 4.125%
HK$31,699
baseline
▲ 0.50% · 4.625%
HK$33,370
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,398/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,539
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,520
−HK$997/mo
Today · 4.125%
HK$33,517
baseline
▲ 0.50% · 4.625%
HK$35,556
+HK$2,039/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,034/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,087
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,028
−HK$955/mo
Today · 4.125%
HK$36,983
baseline
▲ 0.50% · 4.625%
HK$38,932
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,966/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,550
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,812
−HK$1,281/mo
Today · 4.125%
HK$43,093
baseline
▲ 0.50% · 4.625%
HK$45,715
+HK$2,622/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,186/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,112
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,322
−HK$1,227/mo
Today · 4.125%
HK$47,549
baseline
▲ 0.50% · 4.625%
HK$50,056
+HK$2,507/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,098/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,959 · 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).