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$22,518
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$23,218
−HK$712/mo
Today · 4.125%
HK$23,930
baseline
▲ 0.50% · 4.625%
HK$25,386
+HK$1,456/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,860/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,051
−HK$1,353/mo
▼ 0.25% · 3.875%
HK$25,723
−HK$681/mo
Today · 4.125%
HK$26,404
baseline
▲ 0.50% · 4.625%
HK$27,796
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,808/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,021
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,862
−HK$854/mo
Today · 4.125%
HK$28,716
baseline
▲ 0.50% · 4.625%
HK$30,463
+HK$1,747/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,432/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,061
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,867
−HK$818/mo
Today · 4.125%
HK$31,685
baseline
▲ 0.50% · 4.625%
HK$33,355
+HK$1,670/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,370/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,525
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,505
−HK$997/mo
Today · 4.125%
HK$33,502
baseline
▲ 0.50% · 4.625%
HK$35,540
+HK$2,038/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$67,004/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,071
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,012
−HK$954/mo
Today · 4.125%
HK$36,966
baseline
▲ 0.50% · 4.625%
HK$38,914
+HK$1,948/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,932/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,532
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,793
−HK$1,281/mo
Today · 4.125%
HK$43,074
baseline
▲ 0.50% · 4.625%
HK$45,695
+HK$2,621/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,148/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,091
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,301
−HK$1,226/mo
Today · 4.125%
HK$47,527
baseline
▲ 0.50% · 4.625%
HK$50,033
+HK$2,506/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,054/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,509 · 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).