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$22,523
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,224
−HK$711/mo
Today · 4.125%
HK$23,935
baseline
▲ 0.50% · 4.625%
HK$25,392
+HK$1,457/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,870/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,057
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,729
−HK$681/mo
Today · 4.125%
HK$26,410
baseline
▲ 0.50% · 4.625%
HK$27,802
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,820/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,028
−HK$1,694/mo
▼ 0.25% · 3.875%
HK$27,868
−HK$854/mo
Today · 4.125%
HK$28,722
baseline
▲ 0.50% · 4.625%
HK$30,470
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,444/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,068
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,874
−HK$818/mo
Today · 4.125%
HK$31,692
baseline
▲ 0.50% · 4.625%
HK$33,363
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,384/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,532
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,513
−HK$997/mo
Today · 4.125%
HK$33,510
baseline
▲ 0.50% · 4.625%
HK$35,549
+HK$2,039/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$67,020/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,079
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,020
−HK$954/mo
Today · 4.125%
HK$36,974
baseline
▲ 0.50% · 4.625%
HK$38,923
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,948/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,541
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,802
−HK$1,282/mo
Today · 4.125%
HK$43,084
baseline
▲ 0.50% · 4.625%
HK$45,705
+HK$2,621/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,168/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,740 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,102
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,311
−HK$1,228/mo
Today · 4.125%
HK$47,539
baseline
▲ 0.50% · 4.625%
HK$50,044
+HK$2,505/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,078/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,740 · 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).