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$1,413/mo
▼ 0.25% · 3.875%
HK$23,224
−HK$712/mo
Today · 4.125%
HK$23,936
baseline
▲ 0.50% · 4.625%
HK$25,392
+HK$1,456/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$47,872/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,057
−HK$1,354/mo
▼ 0.25% · 3.875%
HK$25,729
−HK$682/mo
Today · 4.125%
HK$26,411
baseline
▲ 0.50% · 4.625%
HK$27,803
+HK$1,392/mo
Deposit HK$4.94M · loan HK$4.94M · min. income ≈ HK$52,822/mo (50% DSR)
Upfront cash ≈ HK$5.30M (deposit + AVD stamp duty HK$357,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,028
−HK$1,695/mo
▼ 0.25% · 3.875%
HK$27,869
−HK$854/mo
Today · 4.125%
HK$28,723
baseline
▲ 0.50% · 4.625%
HK$30,471
+HK$1,748/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$57,446/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,069
−HK$1,624/mo
▼ 0.25% · 3.875%
HK$30,875
−HK$818/mo
Today · 4.125%
HK$31,693
baseline
▲ 0.50% · 4.625%
HK$33,364
+HK$1,671/mo
Deposit HK$3.95M · loan HK$5.93M · min. income ≈ HK$63,386/mo (50% DSR)
Upfront cash ≈ HK$4.31M (deposit + AVD stamp duty HK$357,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,533
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,514
−HK$996/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$357,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,080
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,021
−HK$954/mo
Today · 4.125%
HK$36,975
baseline
▲ 0.50% · 4.625%
HK$38,924
+HK$1,949/mo
Deposit HK$2.96M · loan HK$6.91M · min. income ≈ HK$73,950/mo (50% DSR)
Upfront cash ≈ HK$3.32M (deposit + AVD stamp duty HK$357,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,542
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,803
−HK$1,282/mo
Today · 4.125%
HK$43,085
baseline
▲ 0.50% · 4.625%
HK$45,706
+HK$2,621/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$86,170/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,103
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,312
−HK$1,228/mo
Today · 4.125%
HK$47,540
baseline
▲ 0.50% · 4.625%
HK$50,046
+HK$2,506/mo
Deposit HK$988K · loan HK$8.89M · min. income ≈ HK$95,080/mo (50% DSR)
Upfront cash ≈ HK$1.35M (deposit + AVD stamp duty HK$357,761 · 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).