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$22,522
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,222
−HK$712/mo
Today · 4.125%
HK$23,934
baseline
▲ 0.50% · 4.625%
HK$25,390
+HK$1,456/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,868/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,055
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,727
−HK$682/mo
Today · 4.125%
HK$26,409
baseline
▲ 0.50% · 4.625%
HK$27,801
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,818/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,026
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,866
−HK$855/mo
Today · 4.125%
HK$28,721
baseline
▲ 0.50% · 4.625%
HK$30,468
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,442/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,066
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,872
−HK$818/mo
Today · 4.125%
HK$31,690
baseline
▲ 0.50% · 4.625%
HK$33,361
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,380/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,530
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,511
−HK$996/mo
Today · 4.125%
HK$33,507
baseline
▲ 0.50% · 4.625%
HK$35,546
+HK$2,039/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$67,014/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,077
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,018
−HK$954/mo
Today · 4.125%
HK$36,972
baseline
▲ 0.50% · 4.625%
HK$38,921
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,944/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,539
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,800
−HK$1,281/mo
Today · 4.125%
HK$43,081
baseline
▲ 0.50% · 4.625%
HK$45,702
+HK$2,621/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,162/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,099
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,308
−HK$1,227/mo
Today · 4.125%
HK$47,535
baseline
▲ 0.50% · 4.625%
HK$50,041
+HK$2,506/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,070/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,675 · 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).