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$22,535
−HK$1,414/mo
▼ 0.25% · 3.875%
HK$23,236
−HK$713/mo
Today · 4.125%
HK$23,949
baseline
▲ 0.50% · 4.625%
HK$25,406
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,898/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,070
−HK$1,355/mo
▼ 0.25% · 3.875%
HK$25,743
−HK$682/mo
Today · 4.125%
HK$26,425
baseline
▲ 0.50% · 4.625%
HK$27,818
+HK$1,393/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,850/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$358,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,042
−HK$1,696/mo
▼ 0.25% · 3.875%
HK$27,884
−HK$854/mo
Today · 4.125%
HK$28,738
baseline
▲ 0.50% · 4.625%
HK$30,487
+HK$1,749/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,476/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,084
−HK$1,626/mo
▼ 0.25% · 3.875%
HK$30,891
−HK$819/mo
Today · 4.125%
HK$31,710
baseline
▲ 0.50% · 4.625%
HK$33,381
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,420/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$358,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,550
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,531
−HK$997/mo
Today · 4.125%
HK$33,528
baseline
▲ 0.50% · 4.625%
HK$35,568
+HK$2,040/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$67,056/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,099
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,040
−HK$955/mo
Today · 4.125%
HK$36,995
baseline
▲ 0.50% · 4.625%
HK$38,945
+HK$1,950/mo
Deposit HK$2.96M · loan HK$6.92M · min. income ≈ HK$73,990/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$358,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,564
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,825
−HK$1,282/mo
Today · 4.125%
HK$43,107
baseline
▲ 0.50% · 4.625%
HK$45,730
+HK$2,623/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,214/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,127
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,337
−HK$1,228/mo
Today · 4.125%
HK$47,565
baseline
▲ 0.50% · 4.625%
HK$50,072
+HK$2,507/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,130/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$358,282 · 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).