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$22,520
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,220
−HK$712/mo
Today · 4.125%
HK$23,932
baseline
▲ 0.50% · 4.625%
HK$25,388
+HK$1,456/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,864/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,053
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,725
−HK$681/mo
Today · 4.125%
HK$26,406
baseline
▲ 0.50% · 4.625%
HK$27,798
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,812/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,024
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,864
−HK$854/mo
Today · 4.125%
HK$28,718
baseline
▲ 0.50% · 4.625%
HK$30,466
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,436/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,063
−HK$1,625/mo
▼ 0.25% · 3.875%
HK$30,870
−HK$818/mo
Today · 4.125%
HK$31,688
baseline
▲ 0.50% · 4.625%
HK$33,358
+HK$1,670/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,376/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,528
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,508
−HK$997/mo
Today · 4.125%
HK$33,505
baseline
▲ 0.50% · 4.625%
HK$35,543
+HK$2,038/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$67,010/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,074
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,015
−HK$954/mo
Today · 4.125%
HK$36,969
baseline
▲ 0.50% · 4.625%
HK$38,918
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,938/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,535
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,796
−HK$1,281/mo
Today · 4.125%
HK$43,077
baseline
▲ 0.50% · 4.625%
HK$45,699
+HK$2,622/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,154/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,095
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,305
−HK$1,227/mo
Today · 4.125%
HK$47,532
baseline
▲ 0.50% · 4.625%
HK$50,037
+HK$2,505/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,064/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,595 · 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).